Boletín Estadístico de Banca Mœltiple...Impuestos diferidos.- Se adopta el nuevo Boletín D-4...

Boletín Estadístico de

Banca Múltiple

marzo del 2000tomo XLVI, número 589, ISSN 0185-6456

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Junta de Gobierno

Presidente

Lic. Eduardo Fernández García

Secretario

Dr. Pedro Zamora Sánchez

Vocales Propietarios Vocales Suplentes

Lic. José Angel Gurría Treviño Dr. Carlos J. García Moreno Elizondo

Dr. Carlos Noriega Curtis Lic. Miguel Luis Anaya Mora

Lic. Juan José Paullada Figueroa Lic. Jonathan Davis Arzac

Lic. Javier Gavito Mohar Dr. Andrés Conesa Labastida

Lic. Julián Alfonso Olivas Ugalde Lic. Andrés Figueroa Cobian

Dr. Guillermo Ortiz Martínez Lic. Angel Palomino Hasbach

Lic. Everardo Elizondo Almaguer Lic. Javier Arrigunaga Gómez del Campo

Dr. Jesús Marcos Yacamán C.P. Héctor Tinoco Jaramillo

Lic. Manuel Aguilera Verduzco Lic. Manuel Agustín Calderón de las Heras

Lic. Guillermo Prieto Treviño Lic. Hugo Contreras Pliego

Vicepresidentes

C.P. Jorge Eduardo Familiar Calderón

Dr. Mauricio Naranjo González

C.P. Alejandro Vargas Durán

Lic. Guillermo Zamarripa Escamilla


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Elaboración y PublicaciónDirección de EstadísticaInsurgentes Sur 1971, Torre Norte piso 6, Méx. D. F. tel. 57-24-64-45

DistribuciónDepartamento de Ediciones y PublicacionesInsurgentes Sur 1971, Torre Norte piso 4, Méx. D. F. tel. 57-24-62-67

Funcionarios

Presidente

Lic. Eduardo Fernández García

Vicepresidentes

C.P. Jorge Eduardo Familiar Calderón

Dr. Mauricio Naranjo González

C.P. Alejandro Vargas Durán

Lic. Guillermo Zamarripa Escamilla


Coordinador Técnico de la Presidencia

Lic. Federico Núñez González

Coordinador General de Normatividad

Lic. Octavio Ortega Ordóñez

Contralor Interno

C.P. Mario Andrés Hernández Reyes

Secretario Particular de la Presidencia

Lic. Luis Felipe González Villarreal

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Presentación

La Comisión Nacional Bancaria y de Valores emite el presente Boletín para cumplircon lo dispuesto por la fracción XXIII del Artículo 4º de la Ley de la Comisión NacionalBancaria y de Valores.

Mediante la difusión pública de la información financiera de la Banca Múltiple se persiguedar mayor transparencia a los mercados en que estas instituciones operan.

La información contenida en este Boletín, se presenta bajo los Nuevos CriteriosContables y a partir de este periodo en pesos constantes, se compone de dos apartados.En la primera parte se pretende dar una visión particular y de conjunto del Sistema deBanca Múltiple y en ella se incluye:

❒ Una nota técnica que explica las principales modificaciones habidas en la normatividady su impacto en la presentación de la información.

❒ Una nota ejecutiva que describe de manera general el comportamiento de la BancaMúltiple durante el periodo.

❒ Penetración de Mercado. El activo, pasivo y capital de cada uno de los bancos y suparticipación en el mercado.

❒ Los principales indicadores, el Indice de Morosidad, las Estimaciones Preventivasa Cartera Vencida, el ROA, el ROE, para los dos periodos más recientes y el Indicede Capitalización para el último periodo de cada uno de los bancos.

❒ Indice de Morosidad. El indicador de Morosidad por tipo de Cartera de Crédito y cadauno de los bancos, para el último periodo.

❒ Capitalización. Información detallada de los componentes de la capitalización porcada uno de los bancos, para el periodo.

❒ Operaciones con FOBAPROA. Los principales componentes del Esquema deTransmisión de Flujos con el FOBAPROA, por cada uno de los bancos con estasoperaciones, por el periodo.

❒ Cartera de Crédito. Un resumen de la cartera por tipo de crédito por banco así comoel índice de morosidad de la cartera total por entidad federativa y municipio.

❒ Captación. Resumen de los principales instrumentos de captación por banco y porentidad federativa.

❒ Sucursales, Personal y Cuentas por Banco. El número de sucursales, personal ycuentas tanto por banco como por entidad federativa.

❒ Finalmente se presenta un agregado para el Total del Sistema del Balance, el detallede los Instrumentos Financieros, las Operaciones de Reporto e InstrumentosDerivados, la Cartera de Crédito por instrumento, además de su calificación, laCaptación de Recursos y el Estado de Resultados, para los últimos cinco trimestres.

En la segunda parte se incluye información por cada uno de los bancos que componenel Sistema: Balance consolidado con Fideicomisos Udis, el detalle de los InstrumentosFinancieros, las Operaciones de Reporto e Instrumentos Derivados, la Cartera deCrédito por instrumento, además de su calificación, la Captación de Recursos, el Estadode Resultados consolidado con Fideicomisos Udis. Se presenta también, para losbancos que cuentas con ellas, El Balance, el Estado de Resultados, el Estado de

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Variaciones en el Capital Contable y el Estado de Cambios en la Situación Financieraconsolidados con Subsidiarias.

Por otra parte, y considerando que para los usuarios es relevante conocer lasmodificaciones a la normatividad aplicable a las instituciones de Banca Múltiple, seanexa una relación de las Circulares emitidas por la CNBV durante el periodo a que serefiere este Boletín, para que aquellas que sean de su interés puedan adquirirlas en lasoficinas de este Organismo.

Finalmente, recordamos a los usuarios que en los datos del Total del Sistema, no seeliminan las operaciones interbancarias, por lo que pueden presentarse diferenciasentre estas cifras y las de otras publicaciones, en especial las del Banco de México. Eneste sentido el Total del Sistema representa el agregado de la Banca Múltiple.

EL BOLETIN ESTADISTICO DE BANCA MULTIPLE EN INTERNET

www.cnbv.gob.mx

Con objeto de ofrecer a los usuarios mayor facilidad para el acceso y análisis de lainformación financiera de la banca mexicana, el Boletín Estadístico de Banca Múltiple,está disponible en Internet de manera gratuita.

En el Boletín Estadístico de Banca Múltiple en Internet, se puede consultar a través dediferentes opciones:

❒ Información Histórica Trimestral de diciembre de 1995 a diciembre de 1996.

❒ A partir del trimestre correspondiente a marzo de 1997, se puede acceder a lainformación, bajo los nuevos Criterios Contables y mediante las siguientes alternativasde consulta:

TOTALInformación que presenta de manera resumida las principales variables del SistemaBancario al periodo de estudio.

INFORMACIÓN POR PERIODOInformación de cada uno de los bancos que integran el Sistema, (serie trimestral apartir de diciembre de 1997).

PERIODO POR INSTITUCIONESInformación del trimestre de estudio (todos los bancos que integran el Total).

En caso de que el usuario requiera de mayor información histórica, la puede solicitar ala Dirección de Estadística de la Comisión Nacional Bancaria y de Valores, InsurgentesSur 1971, Torre Norte 6º. Piso, Col. Guadalupe Inn. C. P. 01020, México, D. F. Tel. 57-24-64-37, Fax. 57-24-68-73.

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Presentación ............................................................................................................................................................................................. 3Índice ................................................................................................................................................................................................................ 5Nota Técnica ............................................................................................................................................................................................. 7Evolución de la Banca Múltiple .......................................................................................................................................... 11Estadísticas para el total del sistema .......................................................................................................................... 13

TOTALParticipación en el Mercado ................................................................................................................................. 15Principales Indicadores ............................................................................................................................................. 16Indice de Morosidad ..................................................................................................................................................... 17Capitalización ...................................................................................................................................................................... 18Operaciones con FOBAPROA .......................................................................................................................... 24Cartera de Crédito Total por Banco ............................................................................................................. 25Cartera de Crédito Total por Entidad Federativa y Municipio ............................................ 26Captación por Banco ................................................................................................................................................. 32Captación por Entidad Federativa ................................................................................................................. 33Sucursales, Personal y Cuentas por Banco ........................................................................................ 34Sucursales, Personal y Cuentas por Entidad Federativa ...................................................... 35Balance Condensado .................................................................................................................................................. 36Instrumentos Financieros ........................................................................................................................................ 37Operaciones de Reporto e Instrumentos Derivados ................................................................... 37Cartera de Crédito .......................................................................................................................................................... 38Calificación de la Cartera Crediticia ............................................................................................................. 39Captación de Recursos ............................................................................................................................................. 40Estado de Resultados ................................................................................................................................................ 41

Banamex ................................................................................................................................................................................................... 44Bancomer ................................................................................................................................................................................................. 54Serfín ............................................................................................................................................................................................................ 64Bital ............................................................................................................................................................................................................ 74Bilbao Vizcaya ..................................................................................................................................................................................... 84Citibank ....................................................................................................................................................................................................... 94Santander Mexicano .................................................................................................................................................................. 104Mercantil del Norte ....................................................................................................................................................................... 114Inbursa ...................................................................................................................................................................................................... 124Banpaís .................................................................................................................................................................................................... 134Centro ........................................................................................................................................................................................................ 144Interacciones ...................................................................................................................................................................................... 154J. P. Morgan ....................................................................................................................................................................................... 164Afirme ........................................................................................................................................................................................................ 172Ixe ......................................................................................................................................................................................................... 180

Indice

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Bank of Boston ................................................................................................................................................................................. 188Del Bajío ................................................................................................................................................................................................. 196Republic National Bank of New York ........................................................................................................................ 206Mifel ......................................................................................................................................................................................................... 216Quadrum ................................................................................................................................................................................................. 224Dresdner Bank ................................................................................................................................................................................. 234I.N.G. Bank .......................................................................................................................................................................................... 244Invex ......................................................................................................................................................................................................... 252Comerica Bank ................................................................................................................................................................................ 260Banregio .................................................................................................................................................................................................. 268Bank of America ............................................................................................................................................................................. 278Bansi ......................................................................................................................................................................................................... 286Bank of Tokyo - Mitsubishi .................................................................................................................................................. 294Chase Manhattan .......................................................................................................................................................................... 302B. N. P. ..................................................................................................................................................................................................... 310G. E. Capital ....................................................................................................................................................................................... 318A.B.N. Amro Bank ......................................................................................................................................................................... 326American Express ........................................................................................................................................................................ 334Societé Généralé ........................................................................................................................................................................... 342Bank One (First Chicago) ..................................................................................................................................................... 350Fuji Bank ................................................................................................................................................................................................. 358

Circulares para Banca Múltiple ....................................................................................................................................... 366

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NUEVOS CRITERIOS DE CONTABILIDAD

Como resultado del análisis de la información elaborada por las instituciones decrédito, la complejidad de algunas operaciones que realizan las instituciones y laincorporación de diversas innovaciones en materia contable, la CNBV consideróoportuno actualizar y compilar los Criterios de Contabilidad para las Instituciones deCrédito a través de la emisión de la Circular 1448, vigente a partir del primero de enerode 2000.La actualización de la normatividad tiene impactos en los siguientes criterios: inversionesen valores, cartera de crédito, pasivos, impuestos diferidos, así como el reconocimientode los efectos de la inflación en la información financiera.

I.- Cambios principalesValuación.- Para valuar las inversiones en valores y divisas, así como las operacionesde reporto, préstamo de valores e instrumentos financieros derivados, la Circularintroduce el concepto de valor razonable. La referencia principal para calcular el valorrazonable es el valor de mercado y, cuando este último no es representativo, lanormatividad establece métodos alternativos para obtener dicho valor razonable.Inversiones en valores.- Se elimina la clasificación de los títulos con base en sucotización, por lo que desaparece la categoría de “títulos no cotizados” dentro del rubrode inversiones en valores. En consecuencia, los títulos se clasifican exclusivamente apartir de la intención que tenga la administración de la institución de crédito respecto alos títulos adquiridos.Cartera de crédito.- Se modifican las reglas de presentación de la cartera de créditovencida identificando, al igual que en la cartera vigente, el destino del crédito.Pasivos.- Las obligaciones subordinadas de conversión obligatoria se presentan comoparte del pasivo de las instituciones, lo que implica la reducción del capital contable conel consecuente aumento de dicho pasivo.Los préstamos interbancarios y de otros organismos se desagregan dentro del balancegeneral de las instituciones, de acuerdo a su exigibilidad.Impuestos diferidos.- Se adopta el nuevo Boletín D-4 emitido por el Instituto Mexicanode Contadores Públicos (IMCP) el cual considera el método de activos y pasivos parael cálculo del Impuesto Sobre la Renta (ISR) diferido. Dicha metodología consiste enidentificar las diferencias temporales entre los valores contables y fiscales de los activosy pasivos de las instituciones. El principal impacto en el ISR diferido corresponde a lasdiferencias temporales de los valores de los bienes inmuebles, las cuales, en la mayoríade los casos, implican el reconocimiento de un impuesto diferido pasivo con la afectacióndel resultado de ejercicios anteriores.Por lo que respecta a la Participación de los Trabajadores en la Utilidad diferida, lametodología establecida en el mencionado Boletín D-4 es consistente con la establecida

Nota Técnica

Marzo del 2000

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en la Circular 1343, por lo que su implementación no afecta significativamente a losestados financieros.Reconocimiento de los efectos de la inflación en la información financiera.- El“Resultado por tenencia de activos no monetarios”, derivado de la aplicación del QuintoDocumento de Adecuaciones al Boletín B-10 (modificado) del IMCP, se identifica dentrodel capital contable de los bancos.Transferencia de activos.- Se incorporan los lineamientos contables para identificar lasoperaciones que constituyen una transferencia de propiedad, con base en la pérdida delcontrol sobre los activos transferidos.Adicionalmente, se efectuaron las siguientes modificaciones en materia de revelación,las cuales no impactan en los estados financieros o en su presentación:

❒ Antigüedad de la cartera vencida;❒ Reservas por tipo de crédito:❒ Información cuantitativa y cualitativa sobre la administración de riesgos;❒ Información por segmentos de negocio y de partes relacionadas;❒ Integración de la utilidad integral; y,❒ Información detallada sobre operaciones con instrumentos financieros derivados

e inversiones en valores.

II.- Régimen de TransiciónComo consecuencia de los programas de capitalización implementados por distintasinstituciones, la CNBV consideró necesario establecer un régimen de transición para laaplicación de las nuevas reglas de presentación de las obligaciones subordinadas deconversión obligatoria. En este sentido, las obligaciones subordinadas de conversiónobligatoria emitidas con anterioridad al 30 de septiembre de 1999 podrán presentarsecomo una partida del capital contribuido, incluyendo los intereses devengados nopagados, hasta el 31 de diciembre de 2002.

REGISTROS CONTABLES ESPECIALES

La Circular 1448 establece un régimen para la autorización de registros contablesespeciales, cuando:

❒ la liquidez, solvencia o estabilidad de más de una institución de crédito puedaverse afectada por condiciones de mercado, o

❒ como resultado de procesos de saneamiento financiero o reestructuracióncorporativa que procuren la adecuada liquidez, solvencia o estabilidad de unainstitución.

En todo caso, las instituciones deberán revelar y cuantificar en sus estados financieroslos aspectos más relevantes y los efectos de la aplicación de dichos registros especiales.

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NUEVAS REGLAS DE CAPITALIZACION

Con el fin de mejorar la calidad del capital de las instituciones de banca múltiple ylograr mayor consistencia con las tendencias internacionales, la Secretaría de Hacienday Crédito Público emitió nuevas Reglas para los Requerimientos de Capitalización de lasInstituciones de Banca Múltiple, las cuales entraron en vigor el primero de enero del año2000. Las principales modificaciones a las reglas anteriores se refieren a la definición delcapital neto, es decir, a los componentes tanto del capital básico como del complementario.

I.- Cambios PrincipalesImpuestos diferidos dentro del capital neto.- Dado que la materialización de losimpuestos diferidos activos derivados de pérdida fiscales y de provisiones preventivasen exceso del límite fiscal establecido depende de diversos factores que pueden nopresentarse, el cómputo de dichos impuestos dentro del capital neto se limitó a 20% delcapital básico de las instituciones.Inversiones en acciones.- Las inversiones de los bancos en empresas no financierasy no cotizadas podrían generar un problema de piramidación del capital. Para evitarlos,en las nuevas disposiciones las inversiones que hagan las instituciones de crédito enempresas no financieras, se deducen del capital básico, con excepción de las que lespresten servicios complementarios, las inmobiliarias bancarias y las inversiones enacciones cotizadas en bolsas de valores reconocidas.Efectos inflacionarios.- Las actualizaciones en el capital contable por los efectos dela inflación se computan en su totalidad en el capital básico.Obligaciones subordinadas de conversión forzosa.- Las reglas anteriores permitíanla inclusión de obligaciones subordinadas de conversión forzosa dentro del capitalbásico de las instituciones. Para ser consistentes con las prácticas internacionales, lasnuevas reglas incluyen este concepto dentro del capital complementario. Lo anterior,porque estos instrumentos son onerosos para las instituciones y sólo pueden absorberpérdidas en caso de liquidación o vencimiento de los mismos.Instrumentos de capitalización bancaria.- En línea con la tendencia internacional, lasnuevas reglas permiten la inclusión de instrumentos de capitalización bancaria (conocidoscomo “capital securities”) dentro del capital neto de los bancos. Estos instrumentosdeben cumplir con algunas características generales establecidas por las reglas. Enparticular, pueden ser de flujos no acumulativos o de flujos acumulativos: los flujos noacumulativos son los que pueden ser cancelados a opción del emisor (bajo ciertaspremisas) y los flujos acumulativos son los que pueden ser diferidos por el emisor. Lasreglas permiten la inclusión de instrumentos con flujos no acumulativos en el capitalbásico con un límite del 15% y de instrumentos con flujos acumulativos en el capitalcomplementario.

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Otros cambios.- Se deducen del capital neto los gastos de organización y otrosintangibles. También se actualizaron los coeficientes de capitalización por riesgos demercado.

II.- Régimen de transiciónLas autoridades consideraron necesario establecer un régimen transitorio en los rubrosque se ven más afectados por las nuevas reglas para que el impacto en la situación delas instituciones se dé en forma ordenada.Impuestos diferidos.- El límite de los impuestos diferidos activos derivados de pérdidasfiscales y provisiones en excesos del límite fiscal dentro del capital neto será de 80% enel año 2000, 60% en el 2001, 40% en el 2002 y 20% del año 2003 en adelante.Inversiones en acciones.- Las inversiones realizadas con anterioridad a la entrada envigor de las nuevas reglas y que anteriormente no se deducían, se restarán del capitalbásico de la siguiente forma: 20% en el año 2000, 40% en el año 2001, 60% en el año2002 y 100% desde el año 2003.Obligaciones subordinadas de conversión forzosa.- Las obligaciones subordinadasde conversión forzosa a capital emitidas antes de la entrada en vigor de las reglascomputarán en el capital básico hasta su fecha de vencimiento o conversión.Instrumentos de capitalización bancaria.- Las emisiones de instrumentos decapitalización bancaria con flujos acumulativos hechas durante el año 2000 podrán sercomputadas dentro del capital básico. El límite para estos instrumentos será la diferenciapositiva entre el 10% del capital básico y el monto de las obligaciones subordinadas

incluidas en el mismo.

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Evolución de la Banca Múltiple

Marzo del 2000

Durante el primer trimestre de 2000, la cartera de crédito vencida de la banca múltiple1

se redujo 17.6% en términos reales, con lo cual se ubicó en 68,660 millones de pesosal cierre de marzo de 2000. Por su parte, la cartera de crédito total registró un decrementode 4.24% en términos reales entre diciembre de 1999 y marzo de 2000. A consecuenciade la sensible reducción de la cartera vencida respecto de la cartera total, el índice demorosidad de la banca disminuyó de 8.9% en diciembre de 1999 a 7.7% en marzo de2000, nivel sin precedente desde que se inició la aplicación de los nuevos criterioscontables en enero de 1997.

El comportamiento de la cartera vencida tiene su explicación en los siguientes factores:la conclusión de los procesos de reestructuración de préstamos al amparo del programaPunto Final; las gestiones de recuperación de préstamos así como el castigo de créditosvencidos efectuados por varias instituciones y, la conclusión de la última etapa delproceso de saneamiento de Banca Serfín previo a su venta al Grupo FinancieroSantander Mexicano.

En cuanto al movimiento de la cartera total, en buena medida se explica por lacontracción del crédito que registraron las principales instituciones a consecuencia delpago anticipado de préstamos al amparo de Punto Final y la apreciación del peso frenteal dólar durante el trimestre, así como por el saneamiento de Serfín. Estos factorescontrarrestaron la reactivación del crédito observada por algunas instituciones en ciertaslíneas de negocio.

Por su parte, el monto de provisiones registradas por la banca se ubicó en 74,998millones de pesos en marzo y sigue siendo superior al saldo de cartera vencida, demanera que el índice de provisiones a cartera vencida de la banca múltiple se ubicó en109.2%, por arriba del nivel de 107.8% registrado en diciembre de 1999.

Por lo que toca a los resultados, en el primer trimestre del año 2000 la banca obtuvoutilidades por 4,811 mdp, cifra que se compara favorablemente con las utilidadesregistradas en el cuarto trimestre del año pasado por 2,927 millones de pesos. Esimportante mencionar que la banca registra mayores utilidades no obstante la tendenciadecreciente que siguieron las tasas de interés en este periodo, pues con la disminuciónen la cartera vencida se constituyeron menores provisiones con cargo a los resultadosy también se logró reducir los gastos de operación en forma importante en este trimestre.

A partir del 1 de enero del año 2000 entraron en vigor las nuevas reglas de capitalizaciónpara la banca múltiple que implican una determinación más estricta de los requerimientosde capital para los bancos. De acuerdo con dichas reglas, cifras preliminares2 al cierre demarzo indican que la banca registró un índice de capitalización para riesgo de crédito de19.5%, mientras que el índice que incluye los riesgos de crédito y mercado fue de 15.4%.

1 No se consideran las cifras de Inverlat, Bancrecer, Unión, Cremi, Oriente, Obrero, Interestatal, Sureste, Capital, Industrial, Anáhuac y Promotor del Norte.2 Al cierre de esta edición no están disponibles las cifras de Banamex y Bital.

Estadísticas para el

Total del Sistema

Estadísticas para el

Total del Sistema

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Banca Múltiple

Participación en el MercadoMarzo del 2000(Millones de pesos constantes a marzo del 2000 y porcentajes)

Activo Cartera Total Pasivo Capital ContableBancos

Monto % Monto % Monto % Monto %

(1) Para el total se incluye Atlántico y Promex. Dichos bancos no se presentan de manera individual por encontrarse en proceso de fusión.(2) Fusionado con Mercantil del Norte a partir de febrero del 2000.

Total (1) 1,349,705.15 100.00 895,369.24 100.00 1,239,514.81 100.00 110,190.33 100.00

Banamex 261,228.20 19.35 173,757.94 19.41 223,528.11 18.03 37,700.10 34.21

Bancomer 260,567.75 19.31 182,519.43 20.38 237,232.10 19.14 23,335.65 21.18

Serfín 152,026.88 11.26 130,738.08 14.60 144,461.79 11.65 7,565.09 6.87

Bital 119,311.74 8.84 61,125.49 6.83 112,290.65 9.06 7,021.09 6.37

Mercantil del Norte 99,506.50 7.37 60,731.31 6.78 94,287.55 7.61 5,218.95 4.74

Inbursa 42,262.20 3.13 22,409.33 2.50 25,863.51 2.09 16,398.70 14.88

Banpaís (2) n. a. n. a. n. a. n. a. n. a. n. a. n. a. n. a.

Centro 23,407.92 1.73 20,484.33 2.29 21,482.26 1.73 1,925.66 1.75

Interacciones 8,422.07 0.62 3,659.67 0.41 7,776.10 0.63 645.97 0.59

Afirme 5,952.00 0.44 4,493.43 0.50 5,413.42 0.44 538.57 0.49

Ixe 4,892.26 0.36 3,334.92 0.37 4,391.44 0.35 500.82 0.45

Del Bajío 3,687.58 0.27 2,178.43 0.24 3,214.09 0.26 473.49 0.43

Mifel 3,228.90 0.24 2,623.33 0.29 2,844.00 0.23 384.90 0.35

Quadrum 2,876.22 0.21 2,210.96 0.25 2,531.26 0.20 344.96 0.31

Invex 2,214.10 0.16 1,391.33 0.16 1,755.47 0.14 458.63 0.42

Banregio 2,456.97 0.18 1,806.23 0.20 1,718.97 0.14 738.01 0.67

Bansi 1,546.84 0.11 965.48 0.11 1,196.37 0.10 350.47 0.32

Total de filiales 277,289.47 20.54 144,218.72 16.11 253,192.70 20.43 24,096.77 21.87

Bilbao Vizcaya 85,124.02 6.31 57,081.88 6.38 79,353.57 6.40 5,770.45 5.24

Citibank 77,395.97 5.73 25,862.46 2.89 71,923.71 5.80 5,472.26 4.97

Santander Mexicano 68,640.73 5.09 50,142.63 5.60 62,801.98 5.07 5,838.75 5.30

J. P. Morgan 20,045.51 1.49 436.81 0.05 18,462.20 1.49 1,583.31 1.44

Bank of Boston 3,538.72 0.26 896.23 0.10 3,309.79 0.27 228.94 0.21

Republic National Bank of New York 2,015.41 0.15 905.80 0.10 1,285.82 0.10 729.60 0.66

Dresdner Bank 3,223.62 0.24 1,800.20 0.20 2,910.45 0.23 313.17 0.28

I.N.G. Bank 2,526.17 0.19 1,048.99 0.12 1,851.13 0.15 675.04 0.61

Comerica Bank 1,961.37 0.15 1,772.19 0.20 1,707.82 0.14 253.55 0.23

Bank of America 2,348.95 0.17 803.22 0.09 1,634.43 0.13 714.52 0.65

Bank of Tokyo Mitsubishi 1,244.03 0.09 836.81 0.09 886.83 0.07 357.20 0.32

Chase Manhattan 2,340.09 0.17 507.49 0.06 1,521.28 0.12 818.80 0.74

B. N. P. 2,728.93 0.20 352.90 0.04 2,491.69 0.20 237.25 0.22

G. E. Capital 1,267.86 0.09 811.11 0.09 758.36 0.06 509.50 0.46

A.B.N. Amro Bank 1,547.80 0.11 245.13 0.03 1,385.37 0.11 162.43 0.15

American Express 489.68 0.04 466.57 0.05 386.73 0.03 102.95 0.09

Societé Généralé 228.17 0.02 59.87 0.01 60.78 0.00 167.39 0.15

Bank One (First Chicago Bank) 622.44 0.05 188.43 0.02 460.76 0.04 161.67 0.15

16

Banca Múltiple

Principales Indicadores

(Porcentajes)

Capitalización (5)

Indice de Estim. Prev. / Riesgo de RiesgoMorosidad (1) Cart. Vencida (2) ROA (3) ROE (4) Crédito Total

Bancos

Total (6)

Banamex

Bancomer

Serfín

Bital

Bilbao Vizcaya

Citibank

Santander Mexicano

Mercantil del Norte

Inbursa

Banpaís (7)

Centro

Interacciones

J. P. Morgan

Afirme

Ixe

Bank of Boston

Del Bajío

Republic National Bank of New York

Mifel

Quadrum

Dresdner Bank

I.N.G. Bank

Invex

Comerica Bank

Banregio

Bank of America

Bansi

Bank of Tokyo Mitsubishi

Chase Manhattan

B. N. P.

G. E. Capital (Alianza)

A.B.N. Amro Bank

American Express

Societé Généralé

Bank One (First Chicago Bank)

IV - 1999 I - 2000 IV - 1999 I - 2000 IV - 1999 I - 2000 IV - 1999 I - 2000 I - 2000

8.91 7.67 107.77 109.23 0.84 1.39 10.21 17.23 19.47 15.38

11.49 10.74 106.17 100.00 3.01 2.24 23.08 16.18 19.82 15.70

10.22 9.66 80.00 80.00 0.25 0.80 2.74 8.83 17.30 13.68

6.40 2.47 157.07 215.02 0.17 0.13 3.33 2.65 20.54 17.51

11.49 10.37 84.90 86.27 0.49 0.21 8.53 3.65 13.35 11.18

1.89 1.86 84.87 97.45 0.50 0.48 7.43 7.12 13.93 12.20

3.90 3.73 85.28 90.08 (1.23) 2.90 (18.77) 42.54 12.36 10.75

1.33 1.16 185.89 195.92 1.07 1.69 14.03 20.44 23.19 18.56

8.75 5.66 75.12 89.55 1.20 0.59 13.54 9.45 11.85 11.07

3.11 2.93 243.00 255.90 16.72 11.74 47.33 30.66 45.07 26.04

3.96 n. a. 115.68 n. a. 0.68 n. a. 15.33 n. a. n. a. n. a.

4.80 4.12 144.73 154.44 1.03 4.80 14.84 62.38 67.50 54.84

2.63 2.70 55.45 55.23 1.10 0.60 18.98 8.86 22.17 15.89

0.00 0.00 0.00 0.00 (2.79) 2.69 (8.81) 23.10 131.13 16.90

0.26 0.24 328.49 314.54 0.84 0.42 9.49 4.57 32.21 28.51

6.09 5.70 64.50 85.38 (9.96) 0.79 (92.09) 7.76 12.75 11.21

0.00 0.00 0.00 0.00 (0.63) (0.11) (11.18) (2.05) 16.37 12.34

7.24 7.10 66.06 67.55 0.85 0.46 7.05 3.86 15.73 15.42

0.06 0.39 1,623.13 273.49 0.90 (0.39) 4.00 (1.55) 54.75 45.92

0.64 0.89 562.54 290.99 0.07 0.04 0.64 0.37 11.27 10.59

9.31 8.57 57.85 76.50 (7.44) 0.51 (59.17) 4.47 14.17 12.59

0.00 0.00 0.00 0.00 0.25 0.42 2.60 4.06 12.41 11.88

0.00 0.00 0.00 0.00 4.63 4.44 18.82 17.15 49.73 22.85

7.20 10.48 65.75 100.00 (1.81) 1.60 (9.44) 8.31 21.16 18.19

0.75 0.82 101.85 102.02 1.74 1.35 19.00 12.07 17.13 12.10

1.05 1.04 661.26 719.64 2.01 2.31 6.42 7.58 31.95 30.35

0.00 0.00 0.00 0.00 (11.99) (3.65) (33.71) (11.66) 61.46 23.72

1.50 1.77 243.35 205.47 6.84 6.21 30.58 28.72 24.52 17.75

0.00 0.00 0.00 0.00 1.69 0.28 6.80 1.07 37.28 29.68

0.00 0.00 0.00 0.00 (0.32) 1.42 (0.50) 3.14 42.00 18.25

10.02 8.89 85.54 111.93 0.63 0.43 4.73 4.27 19.82 16.06

0.00 0.00 0.00 0.00 (0.05) (3.00) (0.13) (7.29) 40.36 24.55

15.04 16.21 61.13 65.82 (17.02) (1.92) (140.10) (17.19) 32.07 28.86

2.40 1.74 168.55 189.93 (11.22) (1.68) (62.00) (8.91) 19.41 15.13

0.00 0.00 0.00 0.00 (0.17) (15.48) (0.36) (26.32) n. d. n. d.

0.00 0.00 0.00 0.00 (9.90) (9.09) (16.14) (26.26) 64.31 55.46

(1) Cartera vencida bruta / Cartera de crédito total.(2) Estimaciones preventivas para riesgos crediticios / Cartera vencida bruta.(3) Utilidad neta / Activo total(4) Utilidad neta / Capital contable(5) Capital neto / Activos sujetos a riesgo. Determinado por Banco de México.(6) Para el total se incluyen Banco del Atlántico y Promex. Dichos bancos no se presentan de manera individual por encontrarse en proceso de fusión.(7) Fusionado con Mercantil del Norte a partir de febrero del 2000.

17

Banca Múltiple

Indice de Morosidad (1)

(Porcentajes)

Marzo del 1999

Cartera de Crédito Total Cartera Comercial Cartera de Consumo Cartera de Vivienda

Moneda Moneda Moneda Moneda Moneda Moneda Moneda MonedaTotal Nacional(2) Extranjera UDIS Total Nacional(2) Extranjera UDIS Total Nacional(2) Extranjera UDIS Total Nacional(2) Extranjera UDIS

Total del Sistema

Banamex

Bancomer

Serfín

Bital

Bilbao Vizcaya

Citibank

Santander Mexicano

Mercantil del Norte

Inbursa

Banpaís (3)

Centro

Interacciones

J. P. Morgan

Afirme

Ixe

Bank of Boston

Del Bajío


Mifel

Quadrum

Dresdner

I.N.G. Bank

Invex

Comerica Bank

Banregio

Bank of America

Bansi

Bank of Tokyo - Mitsubishi

Chase Manhattan

B. N. P.

GE Capital (Alianza)

ABN Amro Bank

American Express


Bank One (First Chicago)

7.67 5.50 10.90 14.06 13.99 12.16 12.28 41.18 17.68 15.53 0.00 29.05 18.50 31.29 31.74 12.23

10.74 6.37 12.46 18.60 12.03 9.93 11.82 44.19 18.54 12.06 0.00 29.33 21.28 26.04 100.00 19.50

9.66 9.61 14.62 7.13 22.80 25.66 15.48 43.87 9.96 9.96 0.00 0.00 12.55 39.23 0.00 4.13

2.47 1.23 14.89 5.32 18.28 23.34 14.85 23.54 5.73 5.73 0.00 0.00 5.38 9.18 0.00 1.33

10.37 8.92 13.98 13.57 14.15 11.99 15.86 26.58 24.17 24.17 0.00 24.59 22.05 32.65 0.00 13.70

1.86 1.09 4.20 2.56 2.71 0.98 4.32 14.18 8.88 8.88 0.00 0.00 7.52 13.59 0.00 1.63

3.73 2.37 6.62 0.00 4.52 0.50 10.42 0.00 16.58 16.58 0.00 0.00 13.50 13.50 0.00 0.00

1.16 0.41 2.72 7.41 2.63 1.28 4.87 1.01 8.75 12.35 0.00 0.00 10.25 5.86 0.00 12.84

5.66 5.08 4.13 15.34 9.79 7.73 10.06 22.38 46.30 46.30 0.00 0.00 32.79 40.65 0.00 20.54

2.93 1.65 4.68 0.00 3.03 1.73 4.71 0.00 0.00 0.00 0.00 0.00 0.61 0.61 0.00 0.00

n. a. n. a. n. a. n. a. n. a. n. a. n. a. n. a. n. a. n. a. n. a. n. a. n. a. n. a. n. a. n. a.

4.12 3.12 2.42 34.24 44.64 39.95 53.69 52.69 93.02 93.02 0.00 0.00 20.61 18.57 0.00 25.44

2.70 2.67 2.39 6.35 11.71 14.45 2.78 0.00 0.00 0.00 0.00 0.00 3.87 0.22 0.00 23.27

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.24 0.25 0.00 0.00 0.70 0.89 0.00 0.00 8.51 8.51 0.00 0.00 0.00 0.00 0.00 0.00

5.70 5.16 10.44 0.00 16.24 14.39 33.42 0.00 12.14 13.73 0.00 0.00 26.30 30.12 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7.10 1.99 19.34 0.00 7.36 2.04 19.34 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.39 0.24 0.45 0.00 0.39 0.24 0.45 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.89 1.37 0.06 0.00 1.06 1.81 0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8.57 5.38 24.05 0.00 11.75 7.60 31.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10.48 9.00 14.44 0.00 11.72 10.56 14.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.82 0.00 1.80 0.00 1.26 0.00 1.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1.04 1.20 0.57 0.00 1.06 1.23 0.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1.77 1.82 0.00 0.00 1.79 1.84 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8.89 0.00 13.56 0.00 12.25 0.00 13.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16.21 0.00 27.98 0.00 16.21 0.00 27.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1.74 1.74 0.00 0.00 0.00 0.00 0.00 0.00 1.85 1.85 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(1) Cartera vencida bruta / Cartera de crédito total.(2) Incluye la moneda nacional y las UDIS propias(3) Fusionado con Mercantil del Nortea a partir de febrero del 2000

18

Banca Múltiple

CapitalizaciónMarzo del 2000(Millones de pesos constantes a marzo del 2000)

Concepto

CAPITAL NETO ( 1+ 2 )

1.- Capital Básico ( I + II + III )I.- Capital Básico sin Imp. Diferidos Activos y sin Inst. de Capitalización ( I.1 - ( I.2 a I.8 ) + I.9 )

I.1 .- Capital Contable sin Obligaciones Subordinadas y sin Instrumentos de CapitalizaciónMenos:

I.2.- Inversiones en Instrumentos SubordinadosI.3.- Inversiones en acciones de entidades financieras y controladoras de éstas:

I.3.1. Sociedades y fondos de inversión, parte relativa al capital fijoI.3.2. Controladoras de grupos financierosI.3.3. Administradoras de fondos para el retiro y Sociedades de inv. de fondos para el retiroI.3.4. Otras entidades financieras del paísI.3.5. Inversiones en entidades financieras del exteriorI.3.6. Cámaras de compensación

I.4.- Inversiones en acciones de empresas:I.4.1. Accionistas de la propia Institución, de la controladora de gpo., o de sus integrantesI.4.2. Derivadas de capitalizaciones de adeudos totales*:

I.4.2.A - De todas las fracc. del art. 75 correspondientes a personasrelacionadas según art. 73

I.4.2.B - Realizadas antes del 1 de enero de 2000 1_/I.4.2.C - Realizadas a partir del 1 de enero de 2000, cuya capitalización

date de más de 5 añosI.4.3. Derivadas de capitalizaciones de adeudos parciales* 1_/I.4.4. No cotizadas, comprendidas en el art. 75 fracc I y II de la L.I.C., efectuadas*:

I.4.4.A - Antes del 1 de enero de 2000 2_/I.4.4.B - A partir del 1 de enero de 2000

I.4.5. Comprendidas en el art. 75 fracc III de la L.I.C., cotizadas y no cotizadas, efectuadas*:I.4.5.A - Antes del 1 de enero de 2000, cuya capitalización tenga más de 5 añosI.4.5.B - A partir del 1 de enero de 2000

I.5.- Reservas pendientes de constituir y const. con cargo a cuentas distintas de resultadosI.6.- Financiamientos otorgados para compra de acciones del banco o de ent. fin. del grupoI.7.- ISR y PTU diferidos activos (Total)I.8.- Gastos de organización y otros intangibles

Más:I.9.- Obligaciones subordinadas computables como Capital Básico

II.- Activos Diferidos computables como Capital Básico ( Hasta el 20% de I + I.7 ) 3_/III.- Instrumentos de Capitalización computables como Capital Básico

2.- Capital Complementario ( IV + V + VI - VII )IV.- Obligaciones Subordinadas computables como Capital Complementario

Más:V.- Instrumentos de Capitalización computables como Capital ComplementarioVI.- Reservas Preventivas por Calificación de Cartera con Riesgo B y C 4_/

Menos:VII.- Inversión en Obligaciones Subordinadas de Conv. Voluntaria de otros Intermediarios

REQUERIMIENTO DE CAPITAL ( 1 + 2 + 3 + 4 )

1.- Requerimiento por Riesgos de Crédito ( I + II + III )I.- De la contraparte en operaciones derivadasII.- Del emisor, por posiciones en títulos de deudaIII.- De crédito, por depósitos, préstamos y otras operaciones crediticias

2.- Requerimiento por Riesgos de Mercado ( IV + V + VI + VII + VIII + IX )IV.- Por operaciones en moneda nacional con tasa de interés nominalV.- Por operaciones en moneda nacional con tasa de interés realVI.- Por operaciones en moneda extranjera con tasa de interés nominalVII.- Por posiciones en UDIS o en instrumentos referidos al INPCVIII.- Por posiciones en divisasIX.- Por posiciones en acciones o en instrumentos referidos a índices accionarios

3.- Requerimiento por Activos Fijos, Pagos Anticipados y Cargos Diferidos 2_/

4.- Requerimiento por Faltantes de Capital en Filiales Financieras del Exterior

ACTIVOS SUJETOS A RIESGO TOTALES ( 1 + 2 )

1.- Activos Ponderados por Riesgo de Crédito2.- Activos Ponderados por Riesgo de Mercado 3_/

INDICES DE CAPITALIZACION

Capital Neto sobre Activos Sujetos a Riesgo de CréditoCapital Neto sobre Activos Sujetos a Riesgos Totales

* Inversiones en acciones distintas a las comprendidas en los conceptos anteriores.1_/ Inversiones ajustadas por el factor a que se refiere el inciso o) de la 6ª de las Reglas de Capitalización.2_/ Inv. ajustadas por el factor a que se refiere el inciso c) de la 3ª Transitoria de las Reglas de Capitalización.3_/ Hasta el 80% en el 2000, 60% en el 2001, 40% en el 2002 y 20% a partir del 2003.4_/ Sin exceder del 1.25% de los activos sujetos a riesgo de crédito.5_/ Incluye los requerimientos derivados de las inversiones en acciones de la BMV, de inmobiliarias y de empresas de servicios complementarios.6_/ Estos se determinan dividiendo el requerimiento por riesgos de mercado entre 0.08.

Fuente:BANXICO.

Banca BilbaoMúltiple Banamex Bancomer Serfín Bital Vizcaya

129,783.10 38,238.52 28,123.85 7,038.86 8,692.80 6,242.34

109,385.94 31,882.92 20,434.64 6,703.90 6,475.55 4,058.1572,281.51 21,368.80 5,489.90 4,888.59 3,457.65 64.43

121,409.68 37,700.10 22,214.53 7,565.09 4,510.78 5,770.45

1,438.07 1,410.76 0.00 0.92 0.12 0.009,931.11 4,135.26 1,395.39 377.61 47.69 65.921,084.29 87.41 90.88 14.28 18.35 21.23

319.34 0.00 314.42 0.00 0.00 0.003,846.32 274.73 636.88 0.00 0.00 0.00

139.28 13.19 5.46 0.03 0.00 5.594,493.33 3,759.94 347.75 363.31 20.11 0.00

39.32 0.00 0.00 0.00 0.00 39.091,537.54 104.74 542.83 344.98 24.36 0.00

46.59 30.98 0.00 0.00 0.00 0.0036.00 0.00 18.30 0.00 17.69 0.00

18.30 0.00 18.30 0.00 0.00 0.0017.70 0.00 0.00 0.00 17.69 0.00

0.00 0.00 0.00 0.00 0.00 0.006.67 0.00 0.00 0.00 6.67 0.00

528.46 22.69 9.64 0.07 0.00 0.00528.46 22.69 9.64 0.07 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00919.82 51.06 514.88 344.91 0.00 0.00919.82 51.06 514.88 344.91 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00750.26 0.00 0.00 0.00 0.00 394.05924.11 808.42 0.00 0.00 115.69 0.00

38,038.44 10,514.11 14,944.74 1,815.31 3,017.90 4,927.724,823.01 1,548.00 962.79 137.68 357.67 318.34

8,314.37 2,190.00 1,121.12 0.00 2,510.30 0.0037,104.43 10,514.11 14,944.74 1,815.31 3,017.90 3,993.72

0.00 0.00 0.00 0.00 0.00 0.00

20,397.15 6,355.60 7,689.21 334.96 2,217.25 2,184.2013,880.27 4,294.10 6,017.38 0.00 1,500.00 1,863.25

0.00 0.00 0.00 0.00 0.00 0.006,516.88 2,061.50 1,671.83 334.96 717.25 320.95

0.00 0.00 0.00 0.00 0.00 0.00

74,271.18 21,327.14 18,616.84 3,813.42 6,836.96 4,627.29

53,336.84 15,433.38 13,007.86 2,741.93 5,209.02 3,584.75269.16 34.04 15.43 8.24 6.66 19.51

4,556.23 1,372.36 811.63 206.46 636.08 77.6448,511.45 14,026.98 12,180.81 2,527.23 4,566.29 3,487.59

14,153.48 4,055.77 3,436.26 473.30 1,009.32 508.733,620.69 354.48 587.21 345.37 250.60 315.53

897.19 25.59 378.07 8.63 178.95 14.681,335.51 377.88 285.58 63.97 156.24 35.87

31.61 2.63 19.11 0.13 4.99 1.00614.51 76.59 52.04 4.66 29.48 5.71

7,653.97 3,218.60 2,114.25 50.54 389.06 135.95

6,780.87 1,837.99 2,172.71 598.19 618.62 533.82

0.00 0.00 0.00 0.00 0.00 0.00

843,630.47 243,614.38 205,551.60 40,190.46 77,729.33 51,168.48

666,711.19 192,917.26 162,598.32 34,274.21 65,112.81 44,809.38176,919.29 50,697.12 42,953.28 5,916.25 12,616.52 6,359.10

19.47 19.82 17.30 20.54 13.35 13.9315.38 15.70 13.68 17.51 11.18 12.20

19

Banca Múltiple


Concepto




























Fuente:BANXICO.

MercantilSantander del

Citibank Mexicano Norte Inbursa Banpaís Centro

4,336.44 5,006.02 4,323.89 14,958.10 n. a. 1,931.46

4,233.60 4,726.61 3,868.90 14,557.56 n. a. 1,901.264,138.50 3,997.62 2,340.65 14,557.56 n. a. 1,901.265,472.26 3,840.87 4,793.52 16,398.69 n. a. 1,925.67

0.00 0.00 0.00 0.00 n. a. 0.00876.75 807.85 541.62 1,301.67 n. a. 4.25

0.19 4.04 31.55 720.87 n. a. 4.250.00 0.00 0.00 0.00 n. a. 0.00

876.35 733.58 510.08 580.80 n. a. 0.000.00 68.00 0.00 0.00 n. a. 0.000.00 2.22 0.00 0.00 n. a. 0.000.21 0.00 0.00 0.00 n. a. 0.00

17.32 39.25 8.93 448.27 n. a. 0.810.00 0.00 8.93 0.00 n. a. 0.810.01 0.00 0.00 0.00 n. a. 0.00

0.00 0.00 0.00 0.00 n. a. 0.000.01 0.00 0.00 0.00 n. a. 0.00

0.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.00

17.31 30.28 0.00 448.27 n. a. 0.0017.31 30.28 0.00 448.27 n. a. 0.00

0.00 0.00 0.00 0.00 n. a. 0.000.00 8.97 0.00 0.00 n. a. 0.000.00 8.97 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 354.94 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.00

95.10 728.99 1,528.25 0.00 n. a. 0.00344.59 265.04 444.56 91.20 n. a. 19.35

0.00 1,997.88 425.42 0.00 n. a. 0.0095.10 728.99 1,528.25 0.00 n. a. 0.00

0.00 0.00 0.00 0.00 n. a. 0.00

102.84 279.41 454.99 400.54 n. a. 30.200.00 52.61 37.28 0.00 n. a. 0.00

0.00 0.00 0.00 0.00 n. a. 0.00102.84 226.80 417.71 400.54 n. a. 30.20

0.00 0.00 0.00 0.00 n. a. 0.00

3,406.08 2,431.63 3,369.99 4,686.35 n. a. 317.40

2,807.58 1,726.83 2,919.68 2,655.00 n. a. 228.9042.57 2.17 3.15 9.98 n. a. 0.0470.55 178.66 553.73 395.43 n. a. 0.29

2,694.46 1,546.00 2,362.80 2,249.60 n. a. 228.57

418.51 430.59 203.96 1,939.83 n. a. 52.88254.55 149.39 169.46 145.90 n. a. 38.89

0.01 154.50 0.27 23.95 n. a. 0.01107.70 38.62 30.77 65.45 n. a. 13.87

0.00 0.41 0.11 0.21 n. a. 0.000.83 49.80 3.35 97.54 n. a. 0.11

55.42 37.87 0.00 1,606.77 n. a. 0.00

179.99 274.21 246.34 91.52 n. a. 35.62

0.00 0.00 0.00 0.00 n. a. 0.00

40,326.21 26,967.76 39,045.59 57,435.46 n. a. 3,522.30

35,094.77 21,585.34 36,496.06 33,187.58 n. a. 2,861.235,231.43 5,382.43 2,549.53 24,247.87 n. a. 661.08

12.36 23.19 11.85 45.07 n. a. 67.5010.75 18.56 11.07 26.04 n. a. 54.84

20

Banca Múltiple


Concepto




























Fuente:BANXICO.

Bankof Del

Interacciones J. P. Morgan Afirme Ixe Boston Bajío

571.13 1,574.34 508.45 217.91 226.91 478.53

552.72 1,574.34 501.52 199.81 224.71 442.72374.36 1,574.34 500.68 155.84 224.71 442.72644.99 1,583.31 538.57 500.82 228.94 473.49

0.00 0.00 0.00 0.00 0.00 0.0085.11 0.00 0.00 233.90 0.00 0.0080.19 0.00 0.00 0.00 0.00 0.00

4.92 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 233.90 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.010.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.010.00 0.00 0.00 0.00 0.00 0.010.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

178.36 0.00 0.84 43.97 0.00 0.007.17 8.97 37.05 67.10 4.22 30.76

0.00 0.00 0.00 0.00 0.00 0.00178.36 0.00 0.84 43.97 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

18.41 0.00 6.92 18.10 2.20 35.800.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.0018.41 0.00 6.92 18.10 2.20 35.80

0.00 0.00 0.00 0.00 0.00 0.00

312.69 758.94 154.92 176.30 153.61 262.52

206.11 96.05 126.28 136.70 110.86 243.440.03 37.55 0.60 0.24 1.18 0.77

69.90 2.83 0.00 6.18 8.78 13.90136.18 55.67 125.68 130.28 100.91 228.76

81.39 649.29 16.39 18.74 36.29 4.778.64 564.75 15.58 18.40 18.54 3.82

53.81 7.98 0.00 0.00 0.00 0.032.67 72.57 0.56 0.07 1.63 0.621.10 0.23 0.00 0.00 0.00 0.000.88 3.76 0.26 0.28 16.13 0.30

14.28 0.00 0.00 0.00 0.00 0.00

25.19 13.61 12.25 20.86 6.46 14.31

0.00 0.00 0.00 0.00 0.00 0.00

3,593.82 9,316.78 1,783.37 1,943.05 1,839.50 3,102.67

2,576.37 1,200.63 1,578.44 1,708.73 1,385.82 3,043.001,017.44 8,116.14 204.93 234.32 453.69 59.67

22.17 131.13 32.21 12.75 16.37 15.7315.89 16.90 28.51 11.21 12.34 15.42

21

Banca Múltiple


Concepto




























Fuente:BANXICO.

RepublicNational Bank Dresdner I.N.G.

of New York Mifel Quadrum Bank Bank Invex

721.28 375.74 310.87 294.35 676.58 465.38

711.57 369.80 286.10 293.96 674.45 435.01711.57 369.80 127.73 236.11 674.45 435.01729.59 384.90 344.96 313.17 675.04 462.51

0.00 0.00 0.00 0.00 0.00 26.260.00 4.00 47.02 7.05 0.00 0.000.00 4.00 0.00 7.05 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 47.02 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 5.87 0.00 0.00 0.000.00 0.00 5.87 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 158.37 57.85 0.00 0.00

18.03 11.10 5.97 12.16 0.60 1.24

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 158.37 57.85 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

9.72 5.94 24.77 0.38 2.14 30.370.00 0.00 0.00 0.00 0.00 22.80

0.00 0.00 0.00 0.00 0.00 0.009.72 5.94 24.77 0.38 2.14 7.57

0.00 0.00 0.00 0.00 0.00 0.00

139.67 288.57 214.52 210.41 249.37 209.37

105.39 266.69 175.54 189.72 108.84 175.970.84 2.52 0.00 0.12 5.84 0.000.00 51.24 0.00 8.78 14.90 3.37

104.56 212.94 175.54 180.82 88.09 172.60

20.28 17.27 21.98 8.44 128.06 28.7210.60 6.53 6.99 4.90 120.15 8.12

0.44 0.20 0.29 0.00 4.34 1.237.35 4.48 4.68 3.45 3.30 1.680.21 0.04 0.01 0.00 0.22 0.131.68 1.92 0.11 0.09 0.05 1.190.00 4.12 9.90 0.00 0.00 16.39

14.01 4.60 17.00 12.25 12.47 4.68

0.00 0.00 0.00 0.00 0.00 0.00

1,570.88 3,549.65 2,469.01 2,476.97 2,961.24 2,558.65

1,317.39 3,333.71 2,194.22 2,371.46 1,360.45 2,199.62253.49 215.94 274.79 105.51 1,600.79 359.04

54.75 11.27 14.17 12.41 49.73 21.1645.92 10.59 12.59 11.88 22.85 18.19

22

Banca Múltiple


Concepto




























Fuente:BANXICO.

BankComerica Bank of of Tokyo Chase

Bank Banregio America Bansi Mitsubishi Manhattan

349.47 762.62 713.48 318.19 360.47 819.73

241.75 735.66 712.73 302.61 357.16 817.07238.10 735.66 712.73 302.37 357.16 817.07253.55 738.01 714.52 350.47 287.55 818.80

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.02 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.02 0.00 0.000.00 0.00 0.18 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.18 0.00 0.00 0.000.00 0.00 0.18 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 1.27 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.003.66 0.00 0.00 0.24 0.00 0.00

11.80 1.08 1.61 47.84 0.04 1.74

0.00 0.00 0.00 0.00 69.65 0.003.66 0.00 0.00 0.24 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

107.71 26.96 0.75 15.58 3.32 2.6692.84 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.0014.87 26.96 0.75 15.58 3.32 2.66

0.00 0.00 0.00 0.00 0.00 0.00

232.99 206.37 243.83 147.57 97.63 366.52

163.25 190.95 92.87 103.83 77.36 156.150.43 0.14 3.40 0.20 0.08 57.360.03 14.43 5.84 34.06 0.00 18.39

162.79 176.37 83.63 69.58 77.28 80.40

67.74 10.07 147.79 39.59 19.79 203.2630.11 7.14 49.47 37.38 4.51 65.09

0.00 0.00 0.00 0.00 0.00 44.218.38 2.03 13.79 0.24 1.19 9.590.00 0.00 0.00 0.00 0.00 1.08

29.25 0.09 84.53 1.98 14.08 83.290.00 0.82 0.00 0.00 0.00 0.00

2.00 5.35 3.16 4.15 0.49 7.11

0.00 0.00 0.00 0.00 0.00 0.00

2,887.32 2,512.81 3,008.32 1,792.82 1,214.35 4,492.66

2,040.59 2,386.85 1,160.87 1,297.93 967.02 1,951.86846.73 125.96 1,847.45 494.89 247.33 2,540.80

17.13 31.95 61.46 24.52 37.28 42.0012.10 30.35 23.72 17.75 29.68 18.25

23

Banca Múltiple


Concepto




























Fuente:BANXICO.

G. E. A.B.N. Bank OneCapital Amro American Societé (First

B. N. P. (Alianza) Bank Express Généralé Chicago)

240.28 482.03 152.93 109.94 n. a. 160.21

228.38 467.28 151.39 102.95 n. a. 159.17228.38 467.28 151.39 94.06 n. a. 145.05237.25 509.50 162.43 102.95 n. a. 162.40

0.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.00

0.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.00

0.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 8.89 n. a. 14.128.87 42.22 11.04 0.00 n. a. 3.22

0.00 0.00 0.00 0.00 n. a. 0.000.00 0.00 0.00 8.89 n. a. 14.120.00 0.00 0.00 0.00 n. a. 0.00

11.91 14.75 1.53 6.99 n. a. 1.040.00 0.00 0.00 0.00 n. a. 0.00

0.00 0.00 0.00 0.00 n. a. 0.0011.91 14.75 1.53 6.99 n. a. 1.04

0.00 0.00 0.00 0.00 n. a. 0.00

122.91 158.24 45.98 58.70 n. a. 26.45

97.00 95.54 38.15 45.32 n. a. 19.930.53 15.54 0.01 0.00 n. a. 0.000.05 0.00 0.55 0.00 n. a. 0.19

96.42 80.00 37.59 45.32 n. a. 19.74

22.69 61.57 4.23 12.79 n. a. 3.187.71 13.78 3.86 1.08 n. a. 2.180.00 0.00 0.00 0.00 n. a. 0.006.25 14.92 0.13 0.00 n. a. 0.000.00 0.00 0.00 0.00 n. a. 0.008.72 32.88 0.24 11.72 n. a. 1.010.00 0.00 0.00 0.00 n. a. 0.00

3.23 1.14 3.59 0.58 n. a. 3.34

0.00 0.00 0.00 0.00 n. a. 0.00

1,496.06 1,963.81 529.85 726.43 n. a. 288.90

1,212.46 1,194.23 476.91 566.54 n. a. 249.11283.59 769.58 52.94 159.88 n. a. 39.79

n. a.19.82 40.36 32.07 19.41 n. a. 64.3116.06 24.55 28.86 15.13 n. a. 55.46

24

Banca Múltiple

OPERACIONES CON FOBAPROAMarzo del 2000(Millones de pesos constantes a marzo del 2000)

ESQUEMA DE TRANSMISIÓN DE FLUJOS ADJUDICADOS

Reservas por baja de valor

Pagaré Chequera del Resultados Cargo Pagaré Pagaré ReservasBruto FOBAPROA y capital diferido Neto

Banamex 56,332.34 12,775.49 6,976.33 0.00 36,580.52 2,329.24 545.86

Bancomer 59,405.95 6,644.70 5,386.47 0.00 47,374.78 4,229.55 1,463.77

Serfín 87,018.17 249.52 0.00 0.00 86,768.65 1,723.22 0.00

Bital 21,422.15 3,189.45 1,268.26 0.00 16,964.44 455.79 126.67

Santander Mexicano 28,562.93 1,052.43 0.00 0.00 27,510.50 0.00 0.00

Bilbao Vizcaya 15,844.62 1,979.92 526.65 394.05 12,944.00 1,426.97 302.98

Centro 18,034.72 523.99 15.95 0.00 17,494.78 0.00 0.00

Mercantil del Norte 41,870.77 7,241.52 502.41 354.94 33,771.90 768.94 228.90

Citibank 25,517.44 5,310.73 391.86 0.00 19,814.85 0.00 0.00

25

Banca Múltiple

Cartera de Crédito Total por BancoConsolidado con fideicomisos UDISMarzo del 2000(Millones de pesos constantes a marzo del 2000)

Bancos Créditoas a Créditos aIntermediarios Entidades Créditos al

Comercial Financieros Gubernamentales FOBAPROA Vivienda Consumo Total

Total (1) 271,928.54 14,403.99 89,837.72 352,521.35 134,141.84 32,535.80 895,369.24

Banamex 59,941.24 0.00 19,959.03 38,363.90 42,163.59 13,330.19 173,757.94

Bancomer 51,655.73 315.48 34,761.24 47,374.78 39,681.93 8,730.26 182,519.43

Serfín 14,502.00 41.64 6,563.82 99,628.34 8,459.58 1,542.70 130,738.08

Bital 23,746.67 1,016.99 5,849.87 17,293.55 10,412.25 2,806.16 61,125.49

Bilbao Vizcaya 26,762.67 0.00 2,042.48 23,952.89 3,261.57 1,062.27 57,081.88

Citibank 12,965.30 999.76 0.00 9,613.71 30.29 2,253.40 25,862.46

Santander Mexicano 10,100.20 218.47 9,178.78 27,510.50 2,697.59 437.09 50,142.63

Mercantil del Norte 16,524.95 2,580.16 2,724.88 33,771.89 4,106.78 1,022.66 60,731.31

Inbursa 21,524.36 141.74 58.29 0.00 684.95 0.00 22,409.33

Banpaís (2) (2)n. a. n. a. n. a. n. a. n. a. n. a. n. a.

Centro 910.64 18.77 333.28 17,494.70 1,613.19 113.76 20,484.33

Interacciones 820.32 20.02 2,711.32 0.00 69.84 38.18 3,659.67

J. P. Morgan 0.00 436.81 0.00 0.00 0.00 0.00 436.81

Afirme 1,325.23 3,133.86 18.01 0.00 1.35 14.98 4,493.43

Ixe 1,109.37 1,977.61 197.47 0.00 27.80 22.67 3,334.92

Bank of Boston 894.31 0.00 0.00 0.00 1.92 0.00 896.23

Del Bajío 2,103.18 11.35 63.72 0.00 0.00 0.18 2,178.43

Republic National Bank of New York 905.32 0.00 0.48 0.00 0.00 0.00 905.80

Mifel 2,214.12 404.08 5.12 0.00 0.00 0.00 2,623.33

Quadrum 1,612.35 310.12 34.60 0.00 253.89 0.00 2,210.96

Dresdner Bank 1,476.26 247.12 76.82 0.00 0.00 0.00 1,800.20

I.N.G. Bank 118.20 930.80 0.00 0.00 0.00 0.00 1,048.99

Invex 1,244.58 146.75 0.00 0.00 0.00 0.00 1,391.33

Comerica Bank 1,160.47 611.72 0.00 0.00 0.00 0.00 1,772.19

Banregio 1,764.99 0.00 41.24 0.00 0.00 0.00 1,806.23

Bank of America 559.15 244.07 0.00 0.00 0.00 0.00 803.22

Bansi 955.35 0.00 1.39 0.00 0.00 8.74 965.48

Bank of Tokyo Mitsubishi 836.81 0.00 0.00 0.00 0.00 0.00 836.81

Chase Manhattan 23.37 484.12 0.00 0.00 0.00 0.00 507.49

B. N. P. 256.10 96.80 0.00 0.00 0.00 0.00 352.90

G. E. Capital 788.68 15.71 0.00 0.00 0.00 6.71 811.11

A.B.N. Amro Bank 245.13 0.00 0.00 0.00 0.00 0.00 245.13

American Express 28.00 0.00 0.00 0.00 0.00 438.57 466.57

Societé Généralé 59.87 0.00 0.00 0.00 0.00 0.00 59.87

Bank One (First Chicago Bank) 188.43 0.00 0.00 0.00 0.00 0.00 188.43

(1) Para el total se incluye Atlántico y Promex. Dichos bancos no se presentan de manera individual por encontrarse en proceso de fusión.(2) Fusionado con Mercantil del Nortea a partir de febrero del 2000

Banca Múltiple

Cartera de Crédito por Entidad Federativa y Municipio *Diciembre de 1999(Millones de pesos constantes a marzo del 2000)

Cartera de Crédito Participación % Indice de

Vigente (1) Vencida Total por Estado Morosidad

26

TOTAL (2) 849,717.39 84,765.71 934,483.11 0.00 9.07

AGUASCALIENTES 5,008.08 454.61 5,462.69 100.00 8.3AGUASCALIENTES 4,948.30 451.60 5,399.90 98.85 8.4CALVILLO 11.50 1.19 12.69 0.23 9.4JESUS MARIA 9.02 0.24 9.26 0.17 2.6PABELLON DE ARTEAGA 19.41 0.45 19.86 0.36 2.3RINCON DE ROMOS 19.85 1.13 20.98 0.38 5.4

BAJA CALIFORNIA 12,556.52 1,460.53 14,017.05 100.00 10.4TIJUANA 6,779.55 924.27 7,703.82 54.96 12.0MEXICALI 4,069.14 371.93 4,441.07 31.68 8.4ENSENADA 1,593.92 143.06 1,736.98 12.39 8.2TECATE 113.91 21.28 135.18 0.96 15.7

BAJA CALIFORNIA SUR 1,422.36 314.09 1,736.45 100.00 18.1LA PAZ 1,034.35 76.58 1,110.93 63.98 6.9LOS CABOS 203.47 178.57 382.04 22.00 46.7COMONDU 148.62 43.28 191.89 11.05 22.6MULEGE 35.94 15.65 51.59 2.97 30.3

CAMPECHE 1,231.45 221.21 1,452.66 100.00 15.2CAMPECHE 882.01 171.88 1,053.90 72.55 16.3CARMEN 327.23 45.42 372.65 25.65 12.2CHAMPOTON 22.20 3.91 26.11 1.80 15.0

COAHUILA 12,888.55 1,173.56 14,062.12 100.00 8.3TORREON 5,993.26 475.46 6,468.72 46.00 7.4SALTILLO 4,330.09 298.35 4,628.44 32.91 6.4MONCLOVA 670.57 132.85 803.42 5.71 16.5HIDALGO 685.91 0.00 685.91 4.88 0.0PARRAS DE LA FUENTE 427.03 0.71 427.74 3.04 0.2PIEDRAS NEGRAS 142.78 185.81 328.59 2.34 56.5SABINAS 243.07 34.73 277.79 1.98 12.5RAMOS ARIZPE 188.69 2.40 191.09 1.36 1.3OTROS 207.16 43.26 250.42 1.78 17.3

COLIMA 1,658.54 366.55 2,025.09 100.00 18.1COLIMA 1,257.50 282.99 1,540.49 76.07 18.4MANZANILLO 160.35 24.67 185.02 9.14 13.3TECOMAN 122.06 54.47 176.53 8.72 30.9CUAUHTEMOC 105.72 1.91 107.64 5.32 1.8OTROS 12.90 2.50 15.41 0.76 16.2

CHIAPAS 3,564.80 246.65 3,811.45 100.00 6.5TUXTLA GUTIERREZ 2,447.82 64.37 2,512.19 65.91 2.6TAPACHULA 716.82 69.04 785.86 20.62 8.8TERAN 117.48 7.29 124.76 3.27 5.8SIMOJOVEL DE ALLENDE 75.59 45.68 121.28 3.18 37.7HUIXTLA 33.99 6.68 40.67 1.07 16.4SAN CRISTOBAL DE LAS CASAS 31.49 4.00 35.49 0.93 11.3VILLA FLORES 27.05 7.32 34.37 0.9 21.3PALENQUE 24.70 4.54 29.24 0.8 15.5PICHUCALCO 19.74 5.56 25.30 0.7 22.0CINTALAPA 13.29 6.16 19.44 0.5 31.7OTROS 56.82 26.02 82.84 2.2 31.4

Banca Múltiple




27

CHIHUAHUA 12,962.69 1,694.34 14,657.03 100.00 11.6JUAREZ 6,259.86 596.92 6,856.78 46.78 8.7CHIHUAHUA 5,002.21 540.32 5,542.53 37.81 9.7CUAUHTEMOC 438.01 164.99 603.00 4.11 27.4DELICIAS 350.00 81.30 431.30 2.94 18.8NUEVO CASAS GRANDES 290.83 108.24 399.07 2.72 27.1HIDALGO DEL PARRAL 154.33 29.95 184.28 1.26 16.3CAMARGO 131.44 38.27 169.70 1.16 22.5BUENAVENTURA 43.81 41.43 85.24 0.58 48.6OTROS 292.20 92.92 385.12 2.63 24.1

DISTRITO FEDERAL 525,817.33 53,526.33 579,343.66 100.00 9.2

DURANGO 2,816.58 306.51 3,123.09 100.00 9.8DURANGO 2,026.82 247.35 2,274.17 72.82 10.9GOMEZ PALACIOS 669.91 52.66 722.57 23.14 7.3SANTIAGO PAPASQUIARO 40.14 0.75 40.89 1.31 1.8GUADALUPE VICTORIA 14.04 1.66 15.70 0.50 10.6OTROS 65.68 4.09 69.77 2.23 5.9

GUANAJUATO 10,759.09 1,320.71 12,079.80 100.00 10.9LEON 5,429.92 643.70 6,073.62 50.28 10.6CELAYA 2,111.79 244.46 2,356.25 19.51 10.4IRAPUATO 1,597.68 176.02 1,773.70 14.68 9.9GUANAJUATO 264.58 14.63 279.20 2.31 5.2SALAMANCA 243.70 20.66 264.36 2.19 7.8SAN FRANCISCO DEL RINCON 169.92 65.29 235.21 1.95 27.8SAN LUIS DE LA PAZ 95.13 52.26 147.39 1.22 35.5ACAMBARO 99.02 14.94 113.96 0.94 13.1ALLENDE 99.41 8.30 107.71 0.89 7.7SILAO 68.32 9.89 78.20 0.65 12.6CORTAZAR 67.78 6.99 74.77 0.62 9.3SAN FELIPE 72.30 0.89 73.19 0.6 1.2SAN JOSE ITURBIDE 64.38 7.45 71.82 0.6 10.4MOROLEON 57.80 8.37 66.17 0.5 12.7PENJAMO 58.71 6.33 65.04 0.5 9.7OTROS 258.64 40.56 299.20 2.5 13.6

GUERRERO 2,513.80 200.90 2,714.70 100.00 7.4ACAPULCO DE JUAREZ 2,105.35 129.90 2,235.25 82.34 5.8JOSE AZUETA 106.63 22.63 129.26 4.76 17.5CHILPANCINGO 97.48 11.29 108.77 4.01 10.4IGUALA 79.73 15.57 95.30 3.51 16.3TECPAN 27.39 4.83 32.23 1.19 15.0TAXCO 20.76 2.76 23.51 0.87 11.7PUNGARABATO 17.85 4.66 22.51 0.83 20.7OTROS 58.61 9.26 67.87 2.50 13.6

HIDALGO 1,795.34 319.96 2,115.30 100.00 15.1PACHUCA 1,190.06 239.68 1,429.73 67.59 16.8ZACUALTIPAN 156.55 31.55 188.10 8.89 16.8TULANCINGO 98.29 15.12 113.41 5.36 13.3TULA DE ALLENDE 67.34 7.43 74.77 3.53 9.9TIZAYUCA 62.89 3.26 66.15 3.13 4.9TEPEAPULCO 41.01 3.97 44.98 2.13 8.8IXMIQUILPAN 35.25 0.41 35.66 1.69 1.2ACTOPAN 19.27 4.05 23.32 1.10 17.3METZTITLAN 21.71 0.97 22.68 1.07 4.3HUEJUTLA DE REYES 11.86 4.64 16.50 0.78 28.1MOLANGO 13.77 0.96 14.73 0.70 6.5

Banca Múltiple




28

TEPEJI DEL RIO 14.21 0.44 14.65 0.69 3.0HUEHUETLA 10.20 0.73 10.92 0.5 6.6OTROS 52.95 6.75 59.70 2.8 11.3

JALISCO 46,305.78 4,027.16 50,332.94 100.00 8.0GUADALAJARA 40,174.26 3,254.07 43,428.32 86.28 7.5ZAPOPAN 2,691.38 342.36 3,033.74 6.03 11.3PUERTO VALLARTA 439.12 53.96 493.07 0.98 10.9TLAQUEPAQUE 298.76 43.04 341.80 0.68 12.6TEPATITLAN DE MORELOS 311.95 29.25 341.20 0.68 8.6EL SALTO 269.36 3.32 272.68 0.54 1.2OTROS 2,120.96 301.17 2,422.12 4.81 12.4

ESTADO DE MEXICO 32,801.19 1,877.22 34,678.41 100.00 5.4TOLUCA 15,646.94 462.62 16,109.56 46.45 2.9NAUCALPAN 5,873.85 443.31 6,317.16 18.22 7.0TLALNEPANTLA 3,290.48 159.22 3,449.70 9.95 4.6ECATEPEC 1,367.08 392.70 1,759.78 5.07 22.3ATIZAPAN 1,229.72 89.51 1,319.23 3.80 6.8CUAUTITLAN IZCALLI 952.03 46.42 998.46 2.88 4.6CUAUTITLAN DE ROMERO RUBIO 714.29 36.41 750.70 2.16 4.9METEPEC 527.16 27.23 554.40 1.60 4.9ATIZAPAN DE ZARAGOZA 425.02 15.07 440.10 1.27 3.4TULTITLAN 365.64 9.91 375.55 1.08 2.6NETZAHUALCOYOTL 314.33 14.34 328.67 0.95 4.4COACALCO 250.53 13.52 264.05 0.76 5.1HUIXQUILUCAN 230.71 4.84 235.56 0.68 2.1LERMA 212.57 1.26 213.83 0.62 0.6TEXCOCO 176.41 20.98 197.40 0.6 10.6OTROS 1,224.41 139.86 1,364.27 3.9 10.3

MICHOACAN 6,669.93 923.37 7,593.30 100.00 12.2MORELIA 2,348.17 240.93 2,589.10 34.10 9.3LAZARO CARDENAS 1,365.61 9.75 1,375.36 18.11 0.7URUAPAN 896.43 166.65 1,063.09 14.00 15.7ZAMORA 692.85 75.33 768.17 10.12 9.8LA PIEDAD 521.65 108.00 629.64 8.29 17.2SAHUAYO 100.33 49.61 149.93 1.97 33.1ZITACUARO 101.52 24.64 126.16 1.66 19.5APATZINGAN 77.65 30.97 108.61 1.43 28.5LOS REYES 55.92 41.88 97.81 1.29 42.8JACONA 79.97 16.92 96.89 1.3 17.5TEPALCATEPEC 60.92 12.28 73.20 1.0 16.8PATZCUARO 37.94 23.75 61.70 0.8 38.5ZACAPU 43.97 7.87 51.84 0.7 15.2PURUANDIRO 25.57 21.26 46.83 0.6 45.4YURECUARO 28.57 11.60 40.17 0.5 28.9OTROS 232.85 81.94 314.78 4.1 26.0

MORELOS 3,771.62 551.78 4,323.40 100.00 12.8CUERNAVACA 3,457.78 501.54 3,959.32 91.58 12.7CUAUTLA 193.90 29.22 223.11 5.16 13.1JOJUTLA 40.93 11.54 52.46 1.21 22.0JIUTEPEC 26.73 3.85 30.58 0.71 12.6OTROS 52.29 5.64 57.93 1.34 9.7

NAYARIT 792.04 122.73 914.76 100.00 13.4TEPIC 573.93 84.31 658.24 71.96 12.8JALISCO 95.97 5.58 101.55 11.10 5.5SANTIAGO IXCUINTLA 30.08 3.27 33.35 3.65 9.8

Banca Múltiple




29

TECUALA 24.61 1.69 26.30 2.88 6.4TUXPAN 17.98 5.92 23.89 2.61 24.8ACAPONETA 11.30 11.25 22.56 2.47 49.9IXTLAN 16.11 2.48 18.59 2.03 13.3COMPOSTELA 10.53 4.18 14.71 1.61 28.4SANBLAS 2.81 3.87 6.67 0.73 57.9OTROS 8.73 0.16 8.89 0.97 1.8

NUEVO LEON 71,436.87 3,993.25 75,430.12 100.00 5.3MONTERREY 57,399.25 3,316.12 60,715.37 80.49 5.5GARZA GARCIA 8,160.57 205.08 8,365.65 11.09 2.5SAN NICOLAS DE LOS GARZA 2,797.85 225.38 3,023.23 4.01 7.5GUADALUPE 1,090.82 116.42 1,207.24 1.60 9.6SANTA CATARINA 737.99 13.42 751.41 1.00 1.8OTROS 1,250.39 116.83 1,367.22 1.81 8.5

OAXACA 881.99 183.48 1,065.46 100.00 17.2OAXACA DE JUAREZ 598.45 122.20 720.65 67.64 17.0SANTA MARIA HUATULCO 53.70 0.50 54.20 5.09 0.9SALINA CRUZ 39.92 6.90 46.82 4.39 14.7HUAJUAPAN DE LEON 21.53 19.26 40.80 3.83 47.2S. JUAN BAUTISTA TUXTEPEC 27.59 6.35 33.94 3.19 18.7SANTIAGO PINOTEPA NACIONAL 26.34 7.58 33.91 3.18 22.3JUCHITAN DE ZARAGOZA 29.47 2.87 32.34 3.04 8.9SAN PEDRO MIXTEPEC 27.22 0.91 28.14 2.64 3.2MATIAS ROMERO 4.25 7.07 11.32 1.06 62.5SANTIAGO LLANO GRANDE 9.59 0.00 9.59 0.9 0.0LOMA BONITA 3.33 4.57 7.90 0.7 57.8SAN JUAN GUICHICOVI 5.85 0.78 6.63 0.6 11.8OTROS 34.75 4.47 39.22 3.7 11.4

PUEBLA 13,445.74 1,177.01 14,622.75 100.00 8.0PUEBLA 12,108.41 1,069.19 13,177.60 90.12 8.1TEHUACAN 399.06 24.42 423.48 2.90 5.8LA FRAGUA 174.94 0.58 175.52 1.20 0.3TEZIUTLAN 141.04 13.49 154.54 1.06 8.7SN PEDRO CHOLULA 121.41 19.92 141.33 0.97 14.1SAN MARTIN TEXMELUCAN 119.13 6.38 125.51 0.86 5.1ATLIXCO 97.16 3.64 100.80 0.69 3.6OTROS 284.59 39.38 323.97 2.22 12.2

QUERETARO 5,110.88 599.85 5,710.73 100.00 10.5QUERETARO 4,792.32 525.20 5,317.52 93.11 9.9SAN JUAN DEL RIO 232.14 55.79 287.94 5.04 19.4EZEQUIEL MONTES 27.61 8.82 36.43 0.64 24.2TEQUISQUIAPAN 22.32 7.08 29.40 0.51 24.1OTROS 36.49 2.96 39.45 0.69 7.5

QUINTANA ROO 5,690.25 538.81 6,229.06 100.00 8.7ISLA MUJERES 4,467.91 471.35 4,939.26 79.29 9.5OTHON P. BLANCO 743.50 53.51 797.00 12.79 6.7COZUMEL 446.60 13.56 460.16 7.39 2.9BENITO JUAREZ 32.24 0.40 32.64 0.52 1.2

SAN LUIS POTOSI 5,594.78 1,050.00 6,644.78 100.00 15.8SAN LUIS POTOSI 5,018.54 933.95 5,952.50 89.58 15.7CIUDAD VALLES 320.91 70.97 391.88 5.90 18.1RIO VERDE 84.88 17.29 102.16 1.54 16.9VILLA HIDALGO 40.37 0.00 40.37 0.61 0.0MATEHUALA 28.82 4.60 33.42 0.50 13.8OTROS 101.27 23.19 124.46 1.87 18.6

Banca Múltiple




30

SINALOA 9,487.48 1,257.14 10,744.62 100.00 11.7CULIACAN 5,138.94 662.90 5,801.84 54.00 11.4MAZATLAN 2,021.44 210.35 2,231.79 20.77 9.4AHOME 1,746.07 227.38 1,973.46 18.37 11.5GUASAVE 250.56 83.41 333.97 3.11 25.0SALVADOR ALVARADO 223.85 38.27 262.11 2.44 14.6OTROS 106.62 34.83 141.45 1.32 24.6

SONORA 21,543.60 2,700.28 24,243.88 100.00 11.1HERMOSILLO 15,295.19 1,507.48 16,802.67 69.31 9.0CAJEME 2,218.63 463.32 2,681.95 11.06 17.3GUAYMAS 726.58 295.99 1,022.57 4.22 28.9CABORCA 717.53 75.77 793.30 3.27 9.6NAVOJOA 572.34 53.23 625.57 2.58 8.5NOGALES 445.02 86.30 531.32 2.19 16.2SAN LUIS RIO COLORADO 455.74 70.11 525.85 2.17 13.3HUATABAMPO 319.16 19.44 338.59 1.40 5.7MAGDALENA DE QUINO 210.26 27.61 237.87 0.98 11.6AGUAPRIETA 179.40 22.70 202.10 0.83 11.2MAZATLAN 159.65 17.75 177.40 0.73 10.0CANANEA 102.02 30.58 132.60 0.55 23.1OTROS 142.08 30.01 172.09 0.7 17.4

TABASCO 4,229.37 575.68 4,805.06 100.00 12.0CENTRO 3,273.15 390.42 3,663.57 76.24 10.7JALAPA 269.01 14.92 283.93 5.91 5.3CARDENAS 161.94 26.05 187.99 3.91 13.9MACUSPANA 159.44 22.08 181.52 3.78 12.2TEAPA 92.11 34.20 126.31 2.63 27.1COMALCALCO 92.50 26.20 118.70 2.47 22.1EMILIANO ZAPATA 53.69 23.37 77.07 1.60 30.3PARAISO 43.95 11.53 55.49 1.15 20.8BALANCAN 30.21 3.21 33.42 0.70 9.6OTROS 53.36 23.70 77.06 1.60 30.8

TAMAULIPAS 8,105.28 1,148.36 9,253.64 100.00 12.4TAMPICO 2,886.94 261.52 3,148.46 34.02 8.3CIUDAD VICTORIA 1,178.27 217.53 1,395.80 15.08 15.6MATAMOROS 1,084.08 147.68 1,231.75 13.31 12.0REYNOSA 1,030.08 60.22 1,090.30 11.78 5.5NUEVO LAREDO 628.50 82.60 711.10 7.68 11.6CIUDAD MADERO 397.64 270.58 668.22 7.22 40.5MANTE 419.53 17.03 436.56 4.72 3.9RIO BRAVO 153.52 20.03 173.55 1.88 11.5VALLE HERMOSO 126.76 26.67 153.43 1.66 17.4SAN FERNANDO 44.71 13.59 58.30 0.63 23.3GUSTAVO DIAZ ORDAZ 37.72 14.92 52.64 0.6 28.3OTROS 117.53 16.01 133.54 1.4 12.0

TLAXCALA 800.09 91.96 892.05 100.00 10.3SANTA ANA CHIAUTEMPAN 317.42 9.26 326.68 36.62 2.8APIZACO 145.86 22.81 168.67 18.91 13.5TLAXCALA 127.27 22.63 149.90 16.80 15.1HUAMANTLA 52.34 7.49 59.82 6.71 12.5IXTACUISTLA 58.19 0.27 58.45 6.55 0.5CALPULALPAN 26.64 7.13 33.77 3.79 21.1ZACATELCO 24.20 2.86 27.06 3.03 10.6TLAXCO 7.38 5.86 13.24 1.48 44.3SAN PABLO DEL MONTE 2.41 6.42 8.83 0.99 72.7XICOHTENCATL 2.91 4.63 7.54 0.85 61.5

Banca Múltiple




31

CUAXOMULCO 4.37 1.76 6.12 0.69 28.7TELOCHOLCO 6.06 0.00 6.06 0.68 0.0MARIANO ARISTA 5.90 0.00 5.90 0.7 0.0OTROS 19.16 0.85 20.01 2.2 4.3

VERACRUZ 9,256.89 1,184.48 10,441.37 100.00 11.3VERACRUZ 3,785.52 365.78 4,151.30 39.76 8.8JALAPA 1,496.22 174.74 1,670.96 16.00 10.5COATZACOALCOS 831.68 249.22 1,080.90 10.35 23.1CORDOBA 556.33 40.91 597.24 5.72 6.8POZA RICA DE HIDALGO 522.31 46.43 568.74 5.45 8.2ORIZABA 376.69 37.02 413.71 3.96 8.9TUXPAN 254.09 77.93 332.01 3.18 23.5BOCA DEL RIO 233.97 31.67 265.65 2.54 11.9ACAYUCAN 249.81 10.31 260.12 2.49 4.0MARTINEZ DE LA TORRE 203.45 34.44 237.90 2.28 14.5MINATITLAN 142.77 20.67 163.44 1.57 12.6PAPANTLA 111.41 6.48 117.89 1.13 5.5COATEPEC 101.72 4.03 105.74 1.01 3.8OTROS 390.91 84.86 475.77 4.56 17.8

YUCATAN 6,912.97 980.55 7,893.53 100.00 12.4MERIDA 6,743.48 952.24 7,695.72 97.49 12.4UMAN 69.07 1.84 70.91 0.90 2.6PROGRESO 41.49 4.85 46.34 0.6 10.5TIZIMIN 26.70 15.13 41.82 0.5 36.2VALLADOLID 17.44 4.30 21.74 0.3 19.8TICUL 3.49 1.22 4.70 0.1 25.9OXKUTZCAB 3.55 0.80 4.35 0.1 18.3OTROS 7.75 0.20 7.94 0.1 2.50.00 0.00 0.00 0.0 0.0

ZACATECAS 1,885.51 176.65 2,062.16 100.00 8.6ZACATECAS 1,119.72 126.95 1,246.67 60.45 10.2NORIA DE ANGELES 266.03 0.00 266.03 12.90 0.0FRESNILLO 198.46 18.63 217.09 10.53 8.6RIO GRANDE 91.48 20.57 112.05 5.43 18.4GUADALUPE 52.58 0.52 53.10 2.58 1.0JEREZ DE GARCIA SALINAS 47.32 4.64 51.96 2.52 8.9CALERA 41.78 0.79 42.57 2.06 1.8LORETO 15.95 0.76 16.71 0.81 4.5JALPA 11.13 0.25 11.38 0.55 2.20OJO CALIENTE 10.49 0.01 10.50 0.51 0.08OTROS 30.57 3.54 34.10 1.65 10.37

* Las cifras pueden no coincidir con la información presentada en otros cuadros por razones metodológicas y de fuentes de información.(1) Incluye redescuento.(2) No incluye cifras de : Banco Inverlat, Bancrecer, Unión, Cremi, Confía, Oriente, Obrero, Interestatal, Sureste, Capital, Industrial, Promotor del Norte y Anahuac. Se incluye a Promex y Atlantico,

dichos bancos no se presentan de manera individual por encontrarse en proceso de fusión.

Banca Múltiple

Captación por BancoMarzo del 2000(Millones de pesos constantes a marzo del 2000)

Depósitos Bonos Préstamos ObligacionesBancos de Bancarios Interbancarios Subordinadas

exigibilidad en y de otros eninmediata Plazo Circulación organismos circulación Reportos 1/ Total

32

Total (2) 296,865.22 640,308.85 27,131.10 180,488.15 19,065.40 348.77 1,164,207.49

Banamex 76,302.42 95,057.77 0.00 33,726.20 6,972.96 0.00 212,059.35

Bancomer 66,210.60 123,551.93 500.19 34,366.77 7,150.07 14.81 231,794.37

Serfín 27,074.66 79,311.35 13,967.82 20,603.99 0.00 0.00 140,957.81

Bital 46,493.21 47,075.01 58.74 13,801.48 1,518.59 0.00 108,947.04

Bilbao Vizcaya 20,508.20 43,039.28 555.20 10,465.05 1,895.02 0.00 76,462.75

Citibank 9,379.70 38,414.06 1,011.18 9,508.47 0.00 10.99 58,324.41

Santander Mexicano 14,213.89 38,159.87 2,500.98 5,254.58 0.00 192.52 60,321.84

Mercantil del Norte 19,132.93 58,407.67 1,003.46 13,757.69 189.36 0.00 92,491.11

Inbursa 640.62 8,710.71 1,801.42 9,757.20 0.00 0.06 20,910.02

Banpaís (3) n. a. n. a. n. a. n. a. n. a. n. a. n. a.

Centro 2,225.28 15,343.25 0.00 3,598.42 0.00 0.55 21,167.50

Interacciones 47.52 6,450.01 501.12 757.66 0.00 2.02 7,758.32

J. P. Morgan 0.00 990.64 201.02 0.00 0.00 0.00 1,191.66

Afirme 1,379.90 3,539.78 0.00 317.44 0.00 0.38 5,237.50

Ixe 686.37 2,803.17 45.30 709.73 0.00 8.12 4,252.68

Bank of Boston 90.95 1,487.11 0.00 356.45 0.00 0.26 1,934.76

Del Bajío 666.85 788.00 0.00 1,677.28 0.00 14.67 3,146.80

Republic National Bank of New 180.98 378.70 0.00 540.61 0.00 99.60 1,199.90

Mifel 698.18 974.73 59.97 942.47 0.00 0.00 2,675.35

Quadrum 0.00 1,837.86 0.00 656.75 0.00 0.00 2,494.60

Dresdner Bank 19.52 2,867.60 0.00 0.00 0.00 0.33 2,887.45

I.N.G. Bank 106.70 1,318.28 0.00 151.47 0.00 0.42 1,576.87

Invex 2.49 927.86 464.17 292.70 42.50 0.00 1,729.72

Comerica Bank 19.32 740.83 0.00 844.55 98.82 0.86 1,704.39

Banregio 408.16 641.51 0.00 577.47 0.00 0.00 1,627.14

Bank of America 285.31 628.47 0.00 0.00 0.00 0.34 914.13

Bansi 322.98 623.06 0.00 170.48 0.00 0.00 1,116.52

Bank of Tokyo Mitsubishi 196.75 542.92 0.00 130.03 0.00 0.00 869.70

Chase Manhattan 0.00 756.67 0.00 697.52 0.00 0.34 1,454.53

B. N. P. 23.54 706.04 0.00 0.00 0.00 1.66 731.24

G. E. Capital 2.77 159.20 0.00 582.92 0.00 0.00 744.90

A.B.N. Amro Bank 852.66 196.27 0.00 187.78 0.00 0.07 1,236.78

American Express 19.10 297.85 0.00 13.19 0.00 0.00 330.14

Societé Généralé 0.00 0.00 0.00 60.59 0.00 0.00 60.59

Bank One (First Chicago Bank) 11.54 63.78 0.00 6.50 0.00 0.00 81.83

1/ No incluye los títulos a entregar por reporto.(2) Incluye a Promex y Atlantico, dichos bancos no se presentan de manera individual por encontrarse en proceso de fusión.(3) Fusionado con Mercantil del Norte a partir de febrero del 2000

Banca Múltiple

Captación por Entidad Federativa (1)

Marzo del 2000(Millones de pesos constantes a marzo del 2000)

Captación por Entidad Federativa

Vista Ahorro Plazo Total

Total (2)

República Mexicana

Sucursales en el Extranjero

33

249,197.14 995.38 706,340.71 956,533.24

242,450.12 995.38 650,017.80 893,463.30

Aguascalientes 1,791.47 3.94 3,957.86 5,753.26Baja California Norte 10,927.36 25.26 6,343.56 17,296.18Baja California Sur 1,983.54 3.71 1,099.34 3,086.60Campeche 908.97 2.82 1,245.47 2,157.26Chiapas 2,481.66 9.91 3,690.67 6,182.25Chihuahua 8,989.36 19.34 8,539.46 17,548.15Coahuila 4,416.69 16.27 6,732.88 11,165.85Colima 973.56 5.47 1,764.21 2,743.23Distrito Federal 89,216.39 455.69 344,326.98 433,999.07Durango 1,545.04 7.27 2,745.88 4,298.18Estado de México 16,410.26 48.46 22,948.12 39,406.84Guanajuato 7,128.02 26.31 14,341.67 21,496.00Guerrero 2,091.56 15.84 5,802.80 7,910.20Hidalgo 1,901.37 11.37 5,019.21 6,931.95Jalisco 17,849.89 79.14 48,947.48 66,876.51Michoacán 5,033.85 17.34 14,541.64 19,592.83Morelos 2,597.62 7.57 5,696.31 8,301.50Nayarit 1,005.10 3.65 2,532.36 3,541.11Nuevo León 16,011.15 42.03 61,975.52 78,028.70Oaxaca 2,550.65 7.87 5,301.33 7,859.84Puebla 6,045.65 17.31 12,238.78 18,301.74Querétaro 3,585.76 7.39 5,483.99 9,077.14Quintana Roo 2,143.96 4.85 1,269.32 3,418.13San Luis Potosí 2,974.29 16.02 16,587.54 19,577.85Sinaloa 4,410.42 21.53 7,139.74 11,571.69Sonora 5,228.24 15.94 5,776.74 11,020.92Tabasco 2,651.15 8.50 3,107.82 5,767.47Tamaulipas 8,098.88 26.71 8,845.73 16,971.33Tlaxcala 624.86 2.58 1,598.21 2,225.65Veracruz 7,362.15 29.33 12,566.35 19,957.82Yucatán 2,525.57 26.89 4,585.21 7,137.67Zacatecas 985.69 9.09 3,265.64 4,260.41

6,747.03 0.00 56,322.91 63,069.93

América del Norte 1,299.19 0.00 7,579.48 8,878.67

América Central 3,992.13 0.00 23,478.80 27,470.93

América del Sur 1,395.72 0.00 20,925.66 22,321.38

Europa 59.98 0.00 4,338.97 4,398.95

1/ Los datos pueden no coincidir con los presentados con otros cuadros por razones metodológicas(2) No incluye cifras de : Banco Inverlat, Bancrecer, Unión, Cremi, Oriente, Obrero, Interestatal, Sureste, Capital, Industrial, Promotor del Norte y Anahuac. Se incluye a Promex y Atlantico, dichos

bancos no se presentan de manera individual por encontrarse en proceso de fusión.

34

Banca Múltiple

Sucursales, Personal y Cuentas por BancoMarzo del 2000

Cuentas de captaciónBancos

InversionesSucursales Personal Total Cheques Ahorro a Plazo (1)

Total decontratos deTarjetas de

Crédito

Total (2) 6,917 114,781 6,118,495 25,371,597 14,641,456 3,785,705 6,944,436

Banamex 1,316 29,990 2,449,102 4,930,773 3,635,539 33,766 1,261,468

Bancomer 1,318 25,084 2,494,165 3,139,408 1,075,429 1,075,217 988,762

Serfín 574 10,105 96,930 4,249,362 1,362,410 1,643,525 1,243,427

Bital 1,539 17,160 271,627 8,113,860 5,613,593 420,630 2,079,637

Bilbao Vizcaya 619 6,673 82,980 651,617 346,756 0 304,861

Citibank 227 4,155 330,899 749,664 279,563 350,842 119,259

Santander Mexicano 359 4,691 56,449 1,045,673 747,758 50,163 247,752

Mercantil del Norte 388 7,818 200,968 1,462,560 1,124,397 43,881 294,282

Inbursa 5 360 0 32,363 29,565 0 2,798

Banpaís (3) n. a. n. a. n. a. n. a. n. a. n. a. n. a.

Centro 68 1,170 4,110 232,314 118,251 20,267 93,796

Interacciones 4 196 0 7,903 6,058 0 1,845

J. P. Morgan 1 94 0 38 0 0 38

Afirme 40 699 2,434 92,008 51,677 9,474 30,857

Ixe 17 571 13,773 65,675 46,274 1,420 17,981

Bank of Boston 1 89 0 227 181 0 46

Del Bajío 19 331 0 18,860 5,813 2,369 10,678

Republic National Bank of 1 78 0 2,444 1,693 0 751

Mifel 7 392 0 10,388 8,852 0 1,536

Quadrum 1 266 0 3,223 0 0 3,223

Dresdner Bank 1 48 0 208 183 0 25

I.N.G. Bank 1 68 0 1 0 0 1

Invex 1 14 0 149 148 0 1

Comerica Bank 1 38 0 574 532 0 42

Banregio 12 282 0 18,146 8,029 0 10,117

Bank of America 1 100 0 140 133 0 7

Bansi 1 106 0 12,395 11,482 0 913

Bank of Tokyo Mitsubishi 1 31 0 443 399 0 44

Chase Manhattan 2 87 0 4 0 0 4

B. N. P. 1 44 0 238 180 0 58

G. E. Capital 1 41 0 76 68 0 8

A.B.N. Amro Bank 1 63 0 789 236 0 553

American Express 1 14 115,058 2,930 1,210 0 1,720

Societé Généralé 0 1 0 0 0 0 0

Bank One (First Chicago 1 25 0 24 22 0 2

(1) Incluye cedes y pagarés.(2) Para el total se incluye Atlántico y Promex. Dichos bancos no se presentan de manera individual por encontrarse en proceso de fusión. Incluye información de Serfin a marzo de 1999.(3) Fusionado con Mercantil del Nortea a partir de febrero del 2000

35

Banca Múltiple

Sucursales, Personal y Cuentas por Entidad FederativaMarzo del 2000

Cuentas de captaciónBancos

InversionesSucursales Personal Total Cheques Ahorro a Plazo (1)

Total decontratos deTarjetas de

Crédito

(1) Incluye cedes y pagarés.(2) No incluye cifras de: Banco Inverlat, Bancrecer, Unión, Cremi, Oriente, Obrero, Interestatal, Sureste, Capital, Industrial, Promotor del Norte y Anáhuac. Se incluye Atlántico y Promex. Dichos bancos

no se presentan de manera individual por encontrarse en proceso de fusión.Fuente:Relación de responsabilidades de los usuarios del crédito (BANXICO).

Total (2) 6,917 114,781 6,118,495 25,371,597 14,641,456 3,785,705 6,944,436

República Mexicana 6,904 114,698 6,118,483 25,359,257 14,638,657 3,785,705 6,934,895

Aguascalientes 70 811 62,233 287,211 154,241 59,691 73,279

Baja California Nort 238 2,618 175,981 966,557 686,675 63,963 215,919

Baja California Sur 39 394 31,209 97,575 71,794 4,570 21,211

Campeche 37 340 25,560 81,785 52,861 7,938 20,986

Chiapas 103 971 88,623 246,560 157,482 10,501 78,577

Chihuahua 257 2,156 141,340 637,351 398,814 64,372 174,165

Coahuila 200 2,047 136,444 667,470 433,394 42,720 191,356

Colima 50 491 30,027 134,844 75,867 10,057 48,920

Distrito Federal 1,467 52,385 2,299,595 8,907,218 4,483,359 2,537,154 1,886,705

Durango 61 624 47,692 211,590 123,826 13,114 74,650

Estado de México 415 4,146 328,702 1,713,347 1,052,881 55,237 605,229

Guanajuato 306 3,150 167,788 783,613 415,578 88,432 279,603

Guerrero 123 1,123 95,700 339,469 192,315 22,061 125,093

Hidalgo 81 935 60,671 233,572 115,253 9,508 108,811

Jalisco 667 8,427 417,799 2,439,450 1,486,341 259,048 694,061

Michoacán 262 2,427 143,084 671,528 299,229 72,962 299,337

Morelos 104 992 76,733 312,850 194,021 14,077 104,752

Nayarit 52 443 35,199 134,870 76,942 11,117 46,811

Nuevo León 519 9,949 383,319 1,567,993 1,112,406 54,461 401,126

Oaxaca 82 832 82,967 273,359 147,494 7,432 118,433

Puebla 230 3,064 165,977 827,194 504,588 57,955 264,651

Querétaro 136 1,213 65,939 245,617 161,917 17,238 66,462

Quintana Roo 65 630 38,974 119,675 86,297 11,191 22,187

San Luis Potosí 128 1,540 70,563 348,237 206,569 31,468 110,200

Sinaloa 173 1,848 160,885 364,288 261,228 17,347 85,713

Sonora 194 2,172 131,209 369,642 262,080 21,813 85,749

Tabasco 77 947 83,012 218,180 156,412 11,294 50,474

Tamaulipas 255 2,870 160,898 630,098 384,689 54,366 191,043

Tlaxcala 36 277 15,406 82,304 43,166 8,315 30,823

Veracruz 292 2,943 301,306 797,475 509,059 32,400 256,016

Yucatán 101 1,173 70,419 391,253 268,775 19,771 102,707

Zacatecas 84 760 23,229 257,082 63,104 94,132 99,846

Sucursales en el Extranjero 13 83 12 12,340 2,799 0 9,541

América del Norte 4 60 0 2,964 1,442 0 1,522

América Central 2 7 3 45 3 0 42

América del Sur 6 1 0 9,260 1,334 0 7,926

Europa 1 15 9 71 20 0 51

Banca Múltiple 1/

Balance CondensadoConsolidado con fideicomisos UDIS(Millones de pesos constantes a marzo del 2000)

Concepto

Activo

DisponibilidadesInstrumentos financierosSaldos deudores en operaciones de reportoValores a recibir en operaciones de préstamoOperaciones con instrumentos derivadosCartera de crédito vigenteCartera de crédito vencidaEstimación preventivas para riesgos crediticiosOtras cuentas por cobrarActivos fijosBienes adjudicadosInversiones permanentes en accionesImpuestos diferidosOtros activos, cargos diferidos e intangiblesCobertura de riesgo por amortizar en créditos para vivienda vencidos, UDIS

Pasivo

Depósitos de disponibilidad inmediataDepósitos a plazoBonos bancarios en circulaciónPréstamos interbancarios y de otros organismosSaldos acreedores en operaciones de reportoValores a entregar en operaciones de préstamoOperaciones con instrumentos derivadosISR y PTU por pagarOtras cuentas por pagarObligaciones subordinadasImpuestos diferidosCréditos diferidos

Capital Contable

Capital ContribuidoCapital socialPrimas en venta de accionesObligaciones subordinadas de conversión obligatoria

Capital GanadoReservas de capitalUtilidades retenidasSuperávit o déficit por valuación de títulos disponibles para la ventaResultado por conversión de operaciones extranjerasEfectos por valuación de empresas asociadas y afiliadasExceso (insuficiencia) en la actualización de capitalResultados por cambios en políticas contablesResultado minoritarioResultado del ejercicio

Cuentas de Orden

Avales otorgadosOtras obligaciones contingentesApertura de créditos irrevocablesBienes en fideicomiso o mandatoBienes en custodia o administraciónOperaciones de banca de inversión por cuenta de tercerosMontos comprometidos en operaciones con el FOBAPROAMontos contratados en instrumentos derivados

1/ No incluye cifras de: Banco Inverlat, Bancrecer, Unión, Cremi, Oriente, Obrero, Interestatal, Sureste, Capital, Industrial, Promotor del Norte y Anáhuac. Se incluye a Promex y Atlántico, dichos bancosno se presentan de manera individual por encontrarse en proceso de fusión.

2/ Para este periodo se incluyen cifras de Serfín basadas en sus Estados Financieros PROFORMA.

36

I - 1999 II - 1999 2/ III - 1999 IV - 1999 I - 2000

1,411,190.01 1,383,765.40 1,382,382.95 1,420,553.72 1,349,705.15

186,347.21 174,396.81 192,034.69 204,442.12 169,407.37168,582.96 167,007.80 181,053.96 218,927.39 193,267.05

1,405.96 3,607.60 3,438.82 3,815.52 2,386.40960.12 254.29 0.00 0.00 0.00

4,336.18 3,874.36 3,609.56 3,257.11 3,562.10853,837.44 860,212.79 845,311.51 851,734.62 826,709.14110,998.65 108,081.47 90,924.63 83,291.45 68,660.11(76,323.58) (84,280.11) (81,960.88) (89,765.95) (74,998.45)

22,955.44 26,266.06 23,256.96 25,729.16 47,400.0326,463.62 25,302.36 24,435.49 25,391.35 24,891.4812,016.41 11,660.13 13,303.83 11,372.15 10,650.8947,066.50 44,579.99 44,173.46 43,000.41 40,157.2243,518.94 35,440.69 35,987.48 34,951.30 32,778.41

7,938.74 6,324.29 5,824.77 3,466.76 3,910.03

1,085.43 1,036.88 988.69 940.34 923.38

1,293,590.62 1,268,320.11 1,266,197.73 1,307,370.43 1,239,514.81

268,404.40 275,893.28 281,730.78 311,351.83 296,864.09660,636.34 654,408.75 673,936.11 648,351.22 640,309.5553,945.83 43,010.25 39,535.24 35,615.90 27,131.10

237,981.52 227,045.82 204,450.51 248,451.46 180,487.884,645.00 1,404.03 1,300.81 1,492.82 1,271.11

217.67 0.00 0.46 0.45 2.69701.95 496.07 357.65 784.30 491.29

1,011.26 1,028.31 996.03 1,967.32 2,021.5438,160.83 37,882.78 37,714.30 37,226.96 70,113.5626,307.36 25,476.54 24,242.48 20,421.68 19,065.40

0.00 0.00 0.00 0.00 0.001,578.46 1,674.29 1,933.35 1,706.47 1,756.59

117,599.49 115,445.38 116,185.30 113,183.36 110,190.42

99,811.38 93,886.24 95,928.23 97,719.52 97,385.6360,716.89 69,486.23 71,732.27 73,589.88 74,441.0929,361.08 14,991.18 14,977.49 15,122.87 15,936.05

9,733.41 9,408.83 9,218.47 9,006.76 7,008.4917,788.11 21,559.15 20,257.07 15,463.85 12,804.7938,877.50 36,321.90 35,915.56 30,432.85 41,091.57

(10,343.88) 1,532.13 (1,322.41) (2,127.57) (9,086.53)

(3,292.09) (2,396.02) (2,089.60) (2,232.37) (2,717.39)2.59 12.18 (0.29) 9.99 13.87

1,329.23 1,019.37 1,115.53 1,243.90 (101.73)(14,586.05) (19,362.43) (20,127.87) (21,556.30) (21,205.84)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

5,800.82 4,432.02 6,766.15 9,693.36 4,810.84

5,470.39 5,324.27 5,098.10 5,252.76 5,476.2041,057.41 42,968.13 43,063.57 45,808.73 43,736.5523,523.68 22,548.40 20,913.60 20,663.91 21,367.90

1,396,519.03 1,080,825.08 1,067,896.96 1,132,173.66 1,177,964.871,331,485.85 1,730,210.42 1,676,820.75 1,931,339.50 1,888,125.63

378,797.61 416,424.88 371,076.78 408,294.50 453,306.15158,398.42 114,299.06 157,136.20 146,981.14 140,324.91220,953.13 292,435.15 233,512.48 306,804.00 428,608.82

Banca Múltiple 1/

Instrumentos FinancierosConsolidados con fideicomisos UDIS(Millones de pesos constantes a marzo del 2000)

Concepto

Títulos valores

Títulos para negociarInstrumentos de Deuda

Valores GubernamentalesTítulos Emitidos por Instituciones FinancierasOtros

Acciones

Títulos disponibles para la ventaInstrumentos de Deuda


Acciones

Títulos conservados a vencimientoInstrumentos de Deuda

Cetes EspecialesTítulos Emitidos por Instituciones FinancierasOtros

Acciones

Valores no cotizados

Operaciones de Reporto e Instrumentos Derivados(Millones de pesos constantes a marzo del 2000)

Concepto

Operaciones de reporto activas (neto)Títulos a recibir por reportoAcreedores por reporto

Operaciones de reporto pasivas (neto)Titulos a entregar por reportoDeudores por reporto

Valores a recibir en operaciones de préstamo

Valores a entregar en operaciones de préstamo

Derivados con fines de negociación (saldo deudor)

Futuros y contratos adelantadosContratos de coberturas cambiariasSwapsPaquetes de instrumentos derivadosOpciones

Derivados con fines de negociación (saldo acreedor)




37

I - 1999 II - 1999 2/ III - 1999 IV - 1999 I - 2000

168,582.95 167,008.33 181,053.96 218,927.81 193,267.99

27,878.54 35,921.03 48,808.84 77,371.90 78,974.3714,591.88 21,491.60 35,417.12 59,764.57 59,926.48

2,743.23 3,034.43 2,186.35 10,900.96 5,312.919,968.80 14,865.15 30,707.54 45,673.44 51,274.761,879.85 3,592.02 2,523.23 3,190.17 3,338.81

13,286.66 14,429.43 13,391.72 17,607.33 19,047.89

23,385.35 14,069.73 12,955.95 16,171.27 25,030.7118,713.37 9,434.18 8,417.56 11,545.63 16,979.3313,273.50 5,561.65 4,684.05 4,601.92 4,937.83

1,565.50 1,929.72 993.65 404.24 915.083,874.36 1,942.81 2,739.87 6,539.48 11,126.414,671.98 4,635.55 4,538.39 4,625.64 8,051.39

101,589.16 99,423.59 100,962.00 108,995.38 89,262.91101,447.56 99,345.77 100,826.54 108,876.13 89,124.51

14,555.74 16,489.13 19,580.22 28,367.83 25,809.446,638.07 4,913.39 4,907.87 5,806.16 28,038.11

80,253.75 77,943.25 76,338.45 74,702.13 35,276.96141.60 77.82 135.46 119.25 138.40

15,729.91 17,593.98 18,327.16 16,389.26 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,406.03 3,607.10 3,438.92 3,814.77 2,386.41284,523.19 288,021.60 345,358.82 320,741.91 379,358.04286,924.70 284,676.72 342,314.58 318,914.62 379,039.50

4,636.00 1,403.77 1,300.72 1,493.10 1,271.1159,541.40 44,700.15 70,937.97 52,857.44 72,590.4258,708.95 43,563.56 70,036.82 53,351.78 73,387.17

960.12 254.48 0.00 0.00 0.00

217.45 0.00 0.00 0.00 0.00

4,336.22 3,874.40 3,609.60 3,257.14 3,562.14

4,336.18 3,874.36 3,609.56 3,257.11 3,562.100.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

701.95 496.07 357.65 784.35 491.29

701.95 496.07 357.65 784.35 491.290.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

38

Banca Múltiple 1/

Cartera de CréditoConsolidada con fideicomisos UDIS(Millones de pesos constantes a marzo del 2000)

Concepto

CARTERA DE CRÉDITO TOTAL

Cartera vigente

ComercialCréditos a otros intermediarios financierosConsumoViviendaCréditos a entidades gubernamentalesCréditos al FOBAPROA

Cartera vencida bruta

ComercialCréditos a otros intermediarios financierosConsumoViviendaCréditos a entidades gubernamentales

CARTERA DE CRÉDITO EN MONEDA EXTRANJERA

Cartera vigente



ComercialCréditos a otros intermediarios financierosConsumoVivienda

CARTERA DE CRÉDITOS EN UDIS

Cartera vigente






I - 1999 II - 1999 2/ III - 1999 IV - 1999 I - 2000

964,836.09 968,294.25 936,236.14 935,026.02 895,369.24

853,837.44 860,212.79 845,311.51 851,734.62 826,709.14

289,423.03 275,340.50 244,990.65 251,783.46 233,884.4913,642.12 13,954.33 15,276.66 16,882.16 14,359.9322,633.11 23,649.43 26,180.50 27,377.65 26,783.51

107,050.54 104,440.85 108,378.89 109,132.19 109,322.2590,888.93 89,162.91 93,932.29 87,268.19 89,837.60

330,199.71 353,664.77 356,552.52 359,290.97 352,521.35

110,998.65 108,081.47 90,924.63 83,291.40 68,660.11

49,255.28 50,202.54 48,340.04 45,772.04 38,044.0586.25 105.41 101.54 53.80 44.06

7,523.44 7,652.69 6,039.50 6,155.58 5,752.2954,114.39 50,119.75 36,442.49 31,308.96 24,819.59

19.29 1.07 1.05 1.02 0.12

224,498.76 200,037.69 169,473.68 159,819.09 141,788.86

208,963.20 182,676.07 151,831.89 142,276.00 126,327.27

166,203.53 147,372.17 126,205.40 123,814.54 110,378.233,783.30 1,705.91 2,268.55 2,658.62 2,117.99

9.74 8.62 5.77 4.26 2.668.07 7.77 7.42 7.27 10.31

8,449.93 8,023.32 8,233.45 2,810.88 2,574.6830,508.63 25,558.28 15,111.30 12,980.43 11,243.40

15,535.56 17,361.62 17,641.79 17,543.10 15,461.58

15,524.36 17,331.11 17,636.68 17,537.62 15,456.690.00 0.00 0.00 0.00 0.105.78 25.23 0.00 0.41 0.005.42 5.28 5.11 5.07 4.79

160,352.24 153,895.50 146,423.31 143,118.94 137,584.96

114,424.67 111,365.36 116,142.06 118,138.65 118,241.95

16,285.53 12,938.02 11,826.85 10,850.08 9,762.220.00 77.50 79.14 173.91 84.21

2,660.06 3,073.39 3,913.80 3,814.47 3,678.4470,063.71 68,696.87 74,069.74 77,325.47 78,978.1525,415.37 26,579.59 26,252.53 25,974.72 25,738.92

45,927.57 42,530.13 30,281.25 24,980.29 19,343.01

11,448.27 11,352.76 10,582.19 9,231.92 6,834.060.00 0.00 0.00 0.00 0.00

2,796.65 2,613.18 1,363.12 1,408.78 1,506.0831,682.65 28,564.19 18,335.94 14,339.60 11,002.87

39

Banca Múltiple 1/

Calificación de la Cartera CrediticiaConsolidada con fideicomisos UDIS (Millones de pesos constantes a marzo del 2000)

Concepto

Calificación de la Cartera por Grado de Riesgo

Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada

Provisiones Preventivas

Total

B Bajo

C Medio

D Alto

E Irrecuperable

Provisiones adicionales para interesesvencidos sobre operaciones vigentes

Provisiones adicionales



I - 1999 II - 1999 2/ III - 1999 IV - 1999 I - 2000

994,697.83 975,644.47 996,534.86 977,943.71 967,893.22

394,836.44 373,807.52 365,841.93 350,253.28 363,831.13

76,203.44 63,775.01 55,655.55 52,124.75 45,464.36

48,509.65 45,420.30 44,416.96 40,015.41 32,433.69

41,622.50 41,703.60 44,612.89 44,000.77 35,173.69

55,012.97 52,226.77 27,327.39 26,237.35 25,911.46

8,613.83 10,556.51 9,973.04 7,614.65 6,809.77

369,899.00 388,154.76 448,707.10 457,697.51 458,269.10

76,323.58 84,280.11 81,959.43 89,765.55 74,998.45

5,413.83 5,264.66 5,738.71 5,524.04 4,354.08

7,198.82 7,027.78 7,004.99 7,501.09 6,350.87

16,328.85 17,950.12 18,046.35 18,851.74 15,841.61

22,269.41 21,856.60 19,568.45 19,593.67 17,445.07

11,197.37 10,883.55 11,735.18 9,938.72 10,443.31

13,915.29 21,297.39 19,865.75 28,356.28 20,563.51

Concepto

Captación Total

Depósitos de exigibilidad inmediataCon interésSin Interés

PlazoDepósitos retirables en días preestablecidosDepósitos a plazoPagarés con rendimiento liquidable al vencimientoAceptaciones bancarias en circulación

Bonos bancarios en circulación

Préstamos interbancarios y de otros organismosPréstamos interbancariosCall moneyRedescuentosDe fondos fiduciarios públicosOtrosBancos y corresponsales

Obligaciones

Obligaciones subordinadas en circulación

Reportos 3/

Acreedores por reporto

Captación en Moneda Extranjera

Depósitos de exigibilidad inmediataCon interésSin interés




Obligaciones


Reportos 3/


Banca Múltiple 1/

Captación de Recursos

(Millones de pesos constantes a marzo del 2000)


2/ Para este periodo se incluyen cifras de Serfín basadas en sus Estados Financieros PROFORMA.3/ No incluye los títulos a entregar por reporto.

40

I - 1999 II - 1999 2/ III - 1999 IV - 1999 I - 2000

1,251,064.80 1,226,081.09 1,224,298.57 1,264,427.31 1,164,207.49

268,389.41 275,893.28 281,731.52 311,352.02 296,865.22218,082.04 222,622.24 229,684.52 242,171.74 236,292.1750,307.37 53,271.04 52,046.99 69,180.29 60,573.04

660,650.83 654,407.66 673,937.41 648,351.30 640,308.857,667.02 8,384.13 8,782.88 8,897.67 7,879.52

186,800.50 185,815.08 197,836.04 190,911.81 154,167.86465,136.60 449,154.24 452,609.65 430,746.71 464,260.14

1,046.71 11,054.21 14,708.84 17,795.11 14,001.3353,945.83 43,010.25 39,535.24 35,615.90 27,131.10

237,980.65 227,046.37 204,448.97 248,662.20 180,488.15135,482.07 126,525.56 116,043.92 158,574.94 109,347.0639,396.45 41,032.51 30,499.77 34,101.62 20,963.8342,006.54 40,883.94 38,320.70 36,939.30 32,941.8417,552.12 17,560.59 17,323.27 16,939.55 15,356.87

2,839.03 87.43 72.01 224.45 53.62704.44 956.34 2,189.31 1,882.34 1,824.93

26,307.36 25,476.54 24,242.48 20,421.68 19,065.40

26,307.36 25,476.54 24,242.48 20,421.68 19,065.40

3,790.72 246.99 402.96 24.21 348.77

3,790.72 246.99 402.96 24.21 348.77

307,054.68 287,076.86 270,586.90 261,311.28 237,704.40

52,997.85 54,565.65 49,587.12 51,085.89 52,151.7249,597.34 51,093.00 45,902.80 47,237.49 47,675.29

3,400.50 3,472.65 3,684.31 3,848.39 4,476.4388,227.55 83,435.52 79,087.51 80,448.83 67,805.45

2,591.44 2,839.44 3,590.82 3,453.94 2,811.5479,248.90 73,995.36 72,967.69 73,196.98 61,313.29

6,387.21 6,600.73 2,529.00 3,797.91 3,680.620.00 0.00 0.00 0.00 0.000.00 1.02 21.78 619.79 615.17

146,840.13 134,028.17 127,699.38 118,468.05 105,449.38118,053.37 107,928.87 104,044.07 97,232.42 87,235.78

6,840.48 6,871.74 5,150.40 4,866.48 3,090.7821,004.38 18,643.21 16,710.17 15,003.35 14,160.95

12.29 30.27 16.92 30.84 41.99452.94 93.51 52.13 51.87 44.58476.67 460.56 1,725.69 1,283.08 875.29

15,603.15 15,047.52 14,212.89 11,308.52 12,198.53

15,603.15 15,047.52 14,212.89 11,308.52 12,198.53

3,386.00 0.00 0.00 0.00 99.32

3,386.00 0.00 0.00 0.00 99.32

Banca Múltiple 1/

Estado de ResultadosConsolidado con fideicomisos UDIS(Millones de pesos constantes a marzo del 2000)

Concepto

Ingresos por intereses

Intereses a favor por cartera de créditoComercialCréditos a intermediarios financierosConsumoViviendaCréditos a entidades gubernamentalesCréditos al FOBAPROA

Intereses a favor por valoresIntereses a favor por disponibilidadesComisiones a favor por créditosPremios devengados a favor (reportos y préstamos de valores)Valorización de UDIS (saldo. acreedor)Utilidad cambiariaRetiros de excedentes del márgen de fideicomisos UDIS

Gastos por intereses

Intereses a cargo por depósitos y obligacionesDepósitos de disponibilidad inmediataDepósitos a plazoBonos bancariosDepósitos y préstamos de bancos y otros organismosObligaciones subordinadas en circulación

Comisiones a cargo por financiamientos recibidos (ajustes al rendimiento)Premios devengados a cargo (Reportos y préstamo de valores)Valorización de UDIS (saldo deudor)Pérdida cambiaria

Resultado por posición monetaria

Margen financiero

Estimación preventiva para riesgos crediticios

Margen financiero ajustado por riesgos crediticios

Comisiones y tarifasResultado por intermediación

Ingresos totales de operación

Gastos de administración y promociónGastos de personalGastos de administraciónDepreciaciones y amortizaciones

Resultado de operación

Otros gastos y productos (Neto)

Resultado antes de ISR y PTU

I.S.R. y P.T.U. causadosI.S.R. y P.T.U. diferidosImpuesto al activo

Resultado antes de participación en subsidiarias, asociadas y afiliadas

Participación en result. de subsidiarias, asociadas y afiliadas (Neto)

Resultado por operaciones continuas

Operaciones discontinuas, partidas extraordinarias ycambios en políticas contables (Neto)

Utilidad o pérdida minoritaria

Resultado Neto



41

I - 1999 II - 1999 2/ III - 1999 IV - 1999 1999 I - 2000

100,426.33 76,797.17 78,194.06 77,545.99 332,963.55 69,866.09

53,735.20 42,785.09 43,099.07 41,171.00 180,790.36 36,587.7015,808.78 12,240.89 13,509.79 13,345.17 54,904.63 11,474.37

2,588.53 1,732.01 (725.91) 825.69 4,420.31 766.142,277.33 1,981.93 2,041.69 2,031.70 8,332.66 2,055.224,224.99 4,204.20 5,896.63 4,061.92 18,387.73 4,905.801,774.33 2,202.83 1,653.93 1,908.50 7,539.60 1,461.56

27,061.24 20,423.23 20,722.94 18,998.03 87,205.44 15,924.6229,124.73 21,612.71 18,116.20 32,188.32 101,041.96 22,099.73

3,529.54 4,399.70 6,414.17 4,793.07 19,136.47 4,528.76588.64 767.15 679.95 804.65 2,840.38 768.06

12,116.23 4,306.12 7,880.64 (5,068.04) 19,234.95 3,573.00108.06 1,318.71 697.15 172.96 2,296.88 401.22

1,223.57 1,440.12 1,306.85 3,439.49 7,410.03 1,728.490.37 167.57 0.03 44.54 212.52 179.12

81,098.47 59,709.68 60,163.41 58,667.68 259,639.24 52,227.45

57,641.21 42,820.99 41,808.44 38,945.87 181,216.52 35,255.306,064.65 4,927.18 4,872.11 4,485.91 20,349.85 3,645.39

36,981.51 26,691.63 27,488.69 24,933.94 116,095.77 22,570.934,671.56 2,652.74 2,261.30 1,666.21 11,251.82 1,350.398,896.10 7,819.07 6,590.64 7,283.15 30,588.96 7,135.261,027.40 730.36 595.70 576.66 2,930.12 553.33

367.61 799.45 602.53 618.61 2,388.20 476.2921,428.32 16,292.25 17,559.88 16,970.44 72,250.89 15,279.82

425.43 (68.09) 87.06 169.49 613.88 268.411,235.90 (134.92) 105.50 1,963.26 3,169.75 947.63

2,822.76 1,587.22 1,106.45 6.44 5,522.87 1,707.04

22,150.63 18,674.71 19,137.10 18,884.75 78,847.18 19,345.69

6,167.40 13,703.65 5,903.74 8,242.17 34,016.95 4,033.48

15,983.23 4,971.06 13,233.36 10,642.58 44,830.23 15,312.21

4,159.70 4,310.23 4,775.05 5,045.98 18,290.95 4,732.585,432.27 3,463.28 596.46 7,866.22 17,358.24 3,601.94

25,575.19 12,744.57 18,604.87 23,554.78 80,479.41 23,646.73

16,644.30 17,277.58 17,857.94 19,479.70 71,259.51 17,014.936,713.22 7,034.18 6,884.52 7,158.92 27,790.84 6,933.768,575.26 8,900.28 9,869.21 10,766.42 38,111.18 8,927.411,355.82 1,343.12 1,104.20 1,554.36 5,357.50 1,153.76

8,930.89 (4,533.00) 746.93 4,075.08 9,219.90 6,631.80

(3,471.52) (5,586.39) 1,541.23 (318.98) (7,835.65) (1,577.85)

5,459.37 (10,119.39) 2,288.17 3,756.10 1,384.25 5,053.95

565.52 413.90 81.78 452.73 1,513.93 539.29491.40 (1,239.00) (96.18) (806.45) (1,650.24) (341.24)

0.00 0.00 0.00 0.00 0.00 0.00

5,385.25 (11,772.29) 2,110.21 2,496.92 (1,779.92) 4,173.42

592.02 401.49 164.10 (296.15) 861.45 645.04

5,977.26 (11,370.81) 2,274.31 2,200.77 (918.47) 4,818.46

(176.45) 10,002.01 59.83 726.45 10,611.84 (6.89)

0.00 0.00 0.00 0.00 0.00 0.00

5,800.82 (1,368.80) 2,334.13 2,927.21 9,693.37 4,811.57

Estadísticas por

Institución

44


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Banamex

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

288,652.12 284,761.09 281,799.29 285,995.68 261,228.20

34,121.69 34,254.81 37,181.95 34,370.25 30,203.6236,019.49 36,455.70 36,982.77 49,014.78 37,725.01

633.76 3,046.78 2,859.08 2,549.50 1,932.380.00 0.00 0.00 0.00 0.00

896.18 819.33 871.49 1,082.35 1,124.71166,172.94 163,927.06 166,433.34 163,390.47 155,103.13

34,106.50 31,532.73 23,891.17 21,209.14 18,654.81(21,493.21) (23,569.91) (23,975.31) (22,516.76) (18,654.82)

4,941.50 5,087.83 4,933.57 4,779.70 5,448.554,782.72 4,783.03 4,827.91 5,147.88 5,115.171,363.15 1,323.47 1,353.85 1,455.93 1,389.41

14,650.89 14,803.37 14,583.80 14,204.22 13,499.5911,975.22 11,803.40 11,393.25 10,558.61 8,975.82

481.28 493.47 462.40 749.62 710.81

0.00 0.00 0.00 0.00 0.00

255,630.65 250,143.18 245,724.37 248,080.73 223,528.11

70,462.75 74,745.79 72,998.00 81,403.77 76,302.42111,031.04 113,519.94 114,184.90 109,433.11 95,057.77

0.00 0.00 0.00 0.00 0.0049,564.28 39,531.00 37,665.78 38,450.53 33,726.20

54.60 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

121.67 16.96 35.97 395.03 202.200.00 0.00 0.00 0.00 0.00

12,860.13 11,059.43 10,235.54 10,606.65 10,890.1911,242.61 10,945.92 10,255.54 7,372.59 6,972.96

0.00 0.00 0.00 0.00 0.00293.57 324.14 348.64 419.05 376.37

33,021.47 34,617.91 36,074.92 37,914.96 37,700.10

8,286.66 8,352.27 8,352.27 8,352.27 8,352.266,510.70 6,576.31 6,576.31 6,576.31 6,576.311,775.96 1,775.96 1,775.96 1,775.96 1,775.96

0.00 0.00 0.00 0.00 0.0024,734.81 26,265.63 27,722.65 29,562.69 29,347.8323,431.40 23,431.38 23,431.37 23,182.55 22,337.49

(704.12) (777.66) (777.66) (505.53) 6,970.92

(196.48) (284.66) (327.82) (482.66) (796.81)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

105.37 (57.24) (247.91) (410.84) (693.54)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

2,098.63 3,953.81 5,644.66 7,779.17 1,529.78

317.26 288.27 273.92 245.17 230.721,655.45 1,617.49 1,586.19 2,578.66 2,500.007,722.47 7,172.95 6,477.10 6,565.82 6,344.36

226,309.39 226,979.40 253,939.04 273,908.18 274,793.88288,102.26 315,295.34 310,591.37 356,485.48 312,055.48

35,112.09 33,578.45 31,060.64 34,789.79 32,080.1542,188.88 0.00 43,270.53 43,060.79 41,235.2849,207.99 71,010.67 62,028.69 72,767.46 177,937.51

45

Instrumentos Financieros


Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Consolidado con fideicomisos UDIS

Banamex

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

36,019.49 36,455.70 36,982.77 49,014.78 37,725.01

8,228.69 9,169.32 8,426.76 9,824.33 9,081.0513.20 13.19 13.22 13.20 13.19

0.00 0.00 0.00 0.00 0.0013.20 13.19 13.22 13.20 13.19

0.00 0.00 0.00 0.00 0.008,215.49 9,156.13 8,413.53 9,811.13 9,067.87

4,092.04 1,970.24 2,579.07 5,592.41 10,518.624,092.04 1,970.24 2,579.07 5,592.41 10,518.62

907.65 667.86 439.80 168.78 254.61115.92 117.92 116.15 134.59 21.45

3,068.47 1,184.46 2,023.12 5,289.04 10,242.560.00 0.00 0.00 0.00 0.00

19,228.88 19,860.37 20,446.79 27,757.63 18,125.3419,228.88 19,860.37 20,446.79 27,757.63 18,125.34

3,812.13 5,436.66 6,707.08 9,685.91 9,380.670.00 0.00 0.00 0.00 0.00

15,416.75 14,423.71 13,739.71 18,071.72 8,744.670.00 0.00 0.00 0.00 0.00

4,469.87 5,455.77 5,530.16 5,840.41 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

633.77 3,046.25 2,859.08 2,549.22 1,932.3876,443.37 68,720.01 66,188.46 77,135.85 85,237.8975,809.60 65,685.91 63,329.38 76,536.25 85,035.72

54.61 0.00 0.28 0.00 0.0019,692.16 4,454.02 8,316.02 1,244.80 4,362.4719,637.55 4,466.18 8,315.74 3,194.42 6,092.68

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

896.18 819.33 871.49 1,082.35 1,124.71

896.18 819.33 871.49 1,082.35 1,124.710.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

121.68 16.96 35.97 395.03 202.20

121.68 16.96 35.97 395.03 202.200.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

46


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Banamex

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

200,279.44 195,459.79 190,324.51 184,599.61 173,757.94

166,172.94 163,927.06 166,433.34 163,390.47 155,103.13

63,306.07 62,055.73 58,048.27 57,250.64 52,730.440.00 0.00 0.00 0.00 0.00

9,435.82 9,970.06 10,928.71 11,387.15 10,858.3031,797.92 32,180.95 35,507.45 34,387.84 33,191.4721,121.67 18,878.56 20,306.19 18,933.07 19,959.0340,511.46 40,841.76 41,642.71 41,431.76 38,363.90

34,106.50 31,532.73 23,891.17 21,209.14 18,654.81

8,793.33 9,723.11 9,246.97 8,473.24 7,210.800.00 0.00 0.00 0.00 0.00

3,977.59 3,929.38 2,570.44 2,471.90 2,471.8921,335.57 17,880.23 12,073.76 10,264.00 8,972.12

0.00 0.00 0.00 0.00 0.00

49,581.19 46,265.51 42,852.05 40,961.18 36,605.21

45,255.27 40,794.15 37,288.88 35,636.69 32,045.72

45,016.95 42,336.56 39,154.80 37,623.94 33,995.160.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

238.32 188.41 183.98 170.09 162.840.00 (1,730.82) (2,049.91) (2,157.34) (2,112.27)

4,325.92 5,471.35 5,563.17 5,324.50 4,559.49

4,320.50 5,466.07 5,558.06 5,319.02 4,554.690.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.41 0.005.42 5.28 5.11 5.07 4.79

51,694.21 50,085.86 47,070.40 45,506.78 43,807.63

32,163.50 32,686.95 36,736.31 36,813.27 35,660.47

1,410.42 1,255.64 1,098.09 991.18 867.050.00 0.00 0.00 0.00 0.00

2,513.17 2,932.29 3,760.97 3,664.82 3,536.7621,500.27 21,815.89 25,249.42 25,583.01 24,742.59

6,739.63 6,683.14 6,627.83 6,574.26 6,514.07

19,530.72 17,398.91 10,334.09 8,693.51 8,147.15

1,120.56 1,041.05 854.21 745.57 686.400.00 0.00 0.00 0.00 0.00

2,746.40 2,542.41 1,310.19 1,357.58 1,468.1115,663.76 13,815.45 8,169.68 6,590.35 5,992.64

47

Calificación de la Cartera CrediticiaConsolidada con fideicomisos UDIS(Millones de pesos constantes a marzo del 2000)

Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Banamex

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

214,874.92 215,850.45 214,610.83 212,068.88 203,964.22

104,581.85 100,442.67 98,439.57 99,691.46 100,491.48

21,025.46 20,631.74 14,704.71 15,488.78 11,192.17

9,539.15 8,541.29 8,479.83 4,654.85 4,447.65

11,223.00 11,992.16 11,111.34 9,532.32 6,266.85

9,695.54 8,709.90 10,172.00 8,357.53 8,895.28

0.00 0.00 0.00 0.00 0.00

58,809.92 65,532.69 71,703.38 74,343.94 72,670.80

21,493.21 23,569.91 23,975.31 22,516.76 18,654.82

136.92 142.75 103.97 186.31 78.94

1,073.67 940.42 977.33 843.04 801.87

2,992.22 3,412.81 3,098.38 3,971.78 2,581.02

4,706.56 3,842.11 2,787.27 2,888.70 2,228.93

5,606.65 5,672.43 5,997.58 5,832.39 6,773.78

6,977.19 9,559.39 11,010.78 8,794.53 6,190.27

48



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/


1/ No incluye los títulos a entregar por reporto.

Banamex

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

242,300.68 238,742.66 235,104.79 236,660.00 212,059.35

70,462.75 74,745.80 72,998.00 81,403.77 76,302.4259,507.62 64,568.96 62,467.40 60,711.83 63,705.9610,955.13 10,176.84 10,530.59 20,691.94 12,596.45

111,031.04 113,519.94 114,184.90 109,433.10 95,057.772,433.63 2,673.16 3,540.81 3,396.94 2,766.41

49,695.14 54,842.05 64,230.70 60,170.08 37,970.2157,880.85 56,004.74 46,413.38 45,866.08 54,321.14

1,021.42 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

49,564.28 39,531.00 37,666.36 38,450.53 33,726.2029,876.49 29,081.77 26,916.86 26,183.07 23,550.39

7,995.29 194.10 0.00 2,376.51 1,275.008,380.72 7,067.88 6,448.38 6,059.33 5,061.642,530.94 2,504.39 2,370.82 2,326.83 2,250.74

147.19 0.02 (0.00) 0.00 0.00633.65 682.84 1,930.31 1,504.78 1,588.43

11,242.61 10,945.92 10,255.54 7,372.60 6,972.96

11,242.61 10,945.92 10,255.54 7,372.60 6,972.96

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

78,099.24 77,642.50 70,859.12 70,332.34 62,641.33

14,610.01 16,547.02 13,246.37 13,699.97 12,268.7213,687.99 15,479.91 12,202.87 12,711.90 11,237.18

922.02 1,067.11 1,043.50 988.07 1,031.5518,312.09 18,404.09 16,820.17 19,915.46 17,323.08

2,433.63 2,673.16 3,540.81 3,396.94 2,766.4111,121.44 10,625.14 11,615.79 13,349.35 11,419.58

4,757.03 5,105.79 1,663.57 3,169.16 3,137.090.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

33,922.40 31,745.47 30,537.04 29,344.32 26,076.5729,783.47 29,005.79 26,847.75 26,117.99 23,493.81

0.00 0.00 0.00 0.00 0.003,651.50 2,510.84 2,195.28 2,068.08 1,862.33

0.03 0.00 2.11 2.17 2.2564.05 0.02 0.32 (0.00) (0.00)

423.34 228.81 1,491.57 1,156.08 718.17

11,242.61 10,945.92 10,255.54 7,372.60 6,972.96

11,242.61 10,945.92 10,255.54 7,372.60 6,972.96

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

49


Concepto



Intereses a favor por valoresIntereses a favor por disponibilidadesComisiones a favor por créditosPremios devengados a favor (reportos y préstamos de valores)Valorización de UDIS (saldo acreedor)Utilidad cambiariaRetiros de excedentes del márgen de fideicomisos UDIS





Margen financiero















Resultado Neto

Banamex

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

20,369.51 15,789.66 15,717.14 15,264.43 67,140.74 14,654.17

10,459.65 9,247.41 6,623.10 8,222.54 34,552.70 7,684.063,533.77 3,223.72 3,241.29 2,913.67 12,912.45 2,673.71

945.71 949.76 (1,895.47) 0.00 0.00 0.00757.31 579.69 646.41 652.67 2,636.08 643.73

1,578.73 1,626.56 1,611.37 1,862.18 6,678.84 1,935.330.00 0.00 0.00 0.00 0.00 172.86

3,644.14 2,867.68 3,019.50 2,794.02 12,325.34 2,258.434,579.45 2,759.11 2,580.68 16,975.19 26,894.43 5,706.74

0.00 0.00 2,841.27 913.39 3,754.66 939.2696.76 79.37 86.85 65.32 328.29 87.60

5,233.65 3,703.77 3,585.24 (10,912.00) 1,610.66 236.510.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

13,739.91 10,638.94 10,172.29 9,870.44 44,421.58 9,289.95

8,984.87 7,140.60 6,899.56 6,789.65 29,814.68 5,979.651,246.29 959.57 939.85 821.20 3,966.90 829.975,829.87 4,417.17 4,381.07 4,344.96 18,973.07 3,402.36

24.99 7.14 10.56 18.85 61.53 1.491,641.76 1,526.85 1,355.74 1,394.87 5,919.22 1,578.27

241.97 229.87 212.34 209.78 893.96 167.550.00 0.00 0.00 0.00 0.00 0.00

4,594.39 3,458.76 3,264.62 3,079.29 14,397.05 3,211.50160.65 39.58 8.11 1.50 209.84 98.80

0.00 0.00 0.00 0.00 0.00 0.00

610.37 213.30 64.31 279.52 1,167.51 510.87

7,239.97 5,364.01 5,609.17 5,673.51 23,886.66 5,875.10

2,956.93 4,750.31 3,352.98 1,047.46 12,107.67 973.47

4,283.05 613.71 2,256.19 4,626.05 11,778.99 4,901.62

1,181.20 1,234.50 1,309.59 1,399.80 5,125.09 1,420.47604.01 1,706.65 5.27 1,941.99 4,257.92 275.08

6,068.26 3,554.85 3,571.05 7,967.84 21,162.01 6,597.18

3,147.24 3,389.39 3,385.83 3,649.08 13,571.54 3,416.081,497.33 1,575.28 1,555.42 1,516.34 6,144.36 1,544.851,432.67 1,595.13 1,638.60 1,917.56 6,583.96 1,662.28

217.24 218.99 191.81 215.18 843.22 208.95

2,921.02 165.47 185.22 4,318.76 7,590.47 3,181.10

(2,311.72) 1,551.93 1,924.28 (1,163.35) 1.14 (1,151.92)

609.30 1,717.39 2,109.51 3,155.41 7,591.60 2,029.18

16.54 18.48 13.21 85.57 133.80 59.481,388.30 149.88 (259.62) (556.70) 721.87 (442.89)

0.00 0.00 0.00 0.00 0.00 0.00

1,981.06 1,848.80 1,836.68 2,513.13 8,179.67 1,526.81

117.57 6.38 (145.83) (378.62) (400.50) 2.96

2,098.63 1,855.18 1,690.85 2,134.51 7,779.17 1,529.78

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

2,098.63 1,855.18 1,690.85 2,134.51 7,779.17 1,529.78

50

Balance CondensadoConsolidado con fideicomisos UDIS y SUBSIDIARIAS(Millones de pesos constantes a marzo del 2000)

Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Banamex

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

327,221.88 319,847.35 314,535.49 317,773.80 291,400.71

36,228.06 36,303.98 38,949.59 35,770.42 31,850.8345,903.90 47,040.97 46,448.33 58,817.08 47,393.62

859.15 883.77 664.24 995.50 417.470.00 0.00 0.00 0.00 92.84

949.57 874.34 920.04 658.56 1,154.41190,863.00 187,503.88 188,772.81 184,566.27 174,505.05

37,452.27 34,987.85 27,379.76 24,491.06 21,975.16(23,293.87) (25,289.72) (25,878.58) (24,284.93) (20,387.74)

6,856.00 6,184.01 6,285.09 6,200.02 6,354.2811,823.08 11,753.99 11,734.21 12,048.46 11,924.75

1,382.98 1,325.24 1,404.45 1,501.61 1,432.565,510.54 5,779.90 5,845.88 5,955.88 5,724.84

11,577.80 11,403.58 10,991.26 9,965.00 7,888.271,109.40 1,095.57 1,018.40 1,088.87 1,074.36

0.00 0.00 0.00 0.00 0.00

292,283.29 283,352.92 276,627.11 278,161.38 252,446.54

82,354.87 84,747.93 82,337.80 90,591.04 84,735.07127,476.24 129,344.55 128,259.69 124,657.32 110,064.00

0.00 0.00 0.00 0.00 0.0056,079.01 45,437.62 42,555.46 42,209.70 37,216.93

135.63 117.57 1,216.27 647.35 0.0032.13 0.00 0.00 0.00 453.99

365.34 18.31 38.15 402.98 552.580.00 0.00 0.00 0.00 0.00

13,607.77 11,898.75 11,101.02 11,342.74 11,576.3711,917.27 11,444.53 10,746.65 7,868.38 7,450.21

0.00 0.00 0.00 0.00 0.00315.03 343.66 372.07 441.88 397.38

34,938.59 36,494.43 37,908.39 39,612.42 38,954.17

8,286.66 8,352.27 8,352.27 8,352.27 8,352.266,510.70 6,576.31 6,576.31 6,576.31 6,576.311,775.96 1,775.96 1,775.96 1,775.96 1,775.96

0.00 0.00 0.00 0.00 0.0026,651.93 28,142.16 29,556.12 31,260.15 30,601.9023,431.40 23,431.38 23,431.37 23,182.55 22,337.49

(871.82) (942.96) (938.33) (732.42) 6,750.48

(196.48) (284.66) (327.82) (482.66) (796.81)167.70 165.31 160.68 226.89 220.44

0.00 0.00 0.00 0.00 0.00105.37 (57.24) (247.91) (410.84) (693.55)

0.00 0.00 0.00 0.00 0.001,917.12 1,876.53 1,833.47 1,697.46 1,254.072,098.63 3,953.81 5,644.66 7,779.17 1,529.78

317.26 288.27 273.92 245.17 230.721,655.45 1,617.49 1,586.19 2,578.66 2,500.007,722.47 7,172.95 6,477.10 6,565.82 6,351.94

226,309.39 226,979.40 253,939.04 273,908.18 274,793.88288,102.26 315,295.34 310,591.37 356,502.02 327,787.71

35,112.09 33,578.45 31,060.64 34,789.79 32,080.1542,188.88 0.00 43,270.53 43,060.79 41,235.2849,207.99 71,010.67 62,028.69 73,018.22 177,937.51

51

Estado de ResultadosConsolidado con fideicomisos UDIS y SUBSIDIARIAS(Millones de pesos constantes a marzo del 2000)

Concepto




Margen financiero



Comisiones y tarifas

Resultado por intermediación






I. S. R. y P. T. U. causadosI. S. R. y P. T. U. diferidosImpuesto al Activo




Operaciones discontinuas, partidas extraordinarias y cambios en políticas contables (Neto)


Resultado Neto

Banamex

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

21,562.99 16,671.45 16,584.73 16,027.12 70,846.30 15,380.95

14,408.24 11,192.35 10,705.73 10,402.06 46,708.38 9,773.49

594.87 214.42 55.10 249.33 1,113.71 502.20

7,749.63 5,693.52 5,934.10 5,874.39 25,251.63 6,109.66

3,250.33 5,103.09 3,647.30 1,330.50 13,331.23 1,216.20

4,499.30 590.42 2,286.80 4,543.88 11,920.41 4,893.46

1,763.21 1,672.64 1,866.55 1,783.23 7,085.63 1,981.48

873.55 1,985.59 189.94 2,135.05 5,184.14 486.17

7,136.05 4,248.66 4,343.30 8,462.17 24,190.17 7,361.12

3,846.49 4,031.59 4,035.16 4,187.22 16,100.47 3,983.751,760.93 1,802.26 1,778.98 1,728.29 7,070.47 1,764.241,805.96 1,956.16 2,010.36 2,236.83 8,009.31 1,960.64

279.60 273.17 245.82 222.10 1,020.69 258.87

3,289.56 217.06 308.13 4,274.95 8,089.70 3,377.37

(2,297.76) 1,557.54 1,936.45 (1,191.43) 4.80 (1,125.14)

991.79 1,774.60 2,244.58 3,083.52 8,094.50 2,252.23

182.29 128.18 173.86 196.05 680.37 253.731,378.11 136.22 (262.06) (740.71) 511.56 (469.52)

0.00 0.00 0.00 0.00 0.00 0.00

2,187.61 1,782.65 1,808.66 2,146.76 7,925.69 1,528.97

(5.80) 71.79 (115.78) (137.87) (187.66) 13.44

2,181.82 1,854.44 1,692.88 2,008.89 7,738.03 1,542.41

0.00 0.00 0.00 0.00 0.00 0.00

(83.19) 0.73 (2.03) 125.62 41.14 (12.63)

2,098.63 1,855.18 1,690.85 2,134.51 7,779.17 1,529.78

52

Estado de Variaciones del Capital ContableDel 31 de diciembre de 1999 al 31 de marzo del 2000(Saldos constantes en millones de pesos)

Capital Contribuido Capital Ganado Total de

Prima en Obligaciones Reservas Sup. o Def. Valuación en Resultado Exceso o Utilidad CapitalCapital Venta de Subordinadas de Utilidades Valuac. de Emp. asoc. por conv. Insuficiencia (pérdida) Intereses

Concepto Social Acciones Conv. Oblig. Capital Retenidas Títulos y afiliadas de op. extr. en actualización neta Minoritarios Contable

SALDO AL31 DE DICIEMBRE DE 1999

Movimientos inherentes a las desiciones de los accionistas

Emisión de acciones

Emisión de obligaciones subordinadas de conversión obligatoria

Capitalización de Utilidades

Constitución de reservas

Movimientos inherentes a la operación

Resultado del ejercicio

Movimientos por el reconocimiento de criterios contables específicos

Superávit o déficit por valuación de títulos disponibles para la venta

Efectos de valuación en empresas asociadas y afiliadas

Resultado por conversión de operaciones extranjeras

Reconocimiento de los efectos de la inflación en la información financiera

— Actualización de activos no monetarios

— Actualización de partidas de capital

— Actualización de otros conceptos

SALDO AL31 DE MARZO DEL 2000

Banamex

6,576.31 1,775.96 0.00 23,182.54 (732.42) (482.66) 0.00 226.89 (410.84) 7,779.17 1,697.46 39,612.40

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 (1,132.00) 7,779.17 0.00 0.00 0.00 0.00 (7,779.17) 0.00 (1,132.00)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,529.78 (443.39) 1,086.39

0.00 0.00 0.00 0.00 0.00 6.69 0.00 0.00 0.00 0.00 0.00 6.69

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 6.45 0.00 0.00 0.00 0.00 0.00 0.00 6.45

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 266.50 0.00 0.00 266.50

0.00 0.00 0.00 0.00 0.00 (320.84) 0.00 (6.45) (549.21) 0.00 0.00 (876.50)

0.00 0.00 0.00 0.00 (15.76) 0.00 0.00 0.00 0.00 0.00 0.00 (15.76)

6,576.31 1,775.96 0.00 22,337.49 6,750.48 (796.81) 0.00 220.44 (693.55) 1,529.78 1,254.07 38,954.17

53

Estado de Cambios en la Situación Financiera


Concepto

Actividades de operación

Utilidad (pérdida) neta

Partidas aplicadas a resultados que no generaron o requirieron la utilización de recursos:Depreciación y amortizaciónEstimación preventiva para riesgos crediticiosProvisiones para obligacionesResultado por valuación de mercadoImpuestos diferidosParticipación de subsidiarias y asociadasResultado por posición monetariaActualización del estado de resultados

Aumento o disminución de partidas relacionadas con la operación:Disminución o aumento en la captaciónDisminución o aumento en la cartera crediticiaBienes adjudicadosDisminución o aumento por operaciones de tesoreríaDisminución o aumento de otras actividades de operación

Recursos generados o utilizados por la operación

Actividades de financiamiento

Emisión de obligaciones subordinadasPréstamos de bancosAmortización de obligaciones subordinadasPago de dividendos en efectivoEmisión de capitalDisminución o aumento de otras operaciones de financiamiento

Recursos generados o utilizados en actividades de financiamiento

Actividades de inversión

Adquisiciones o ventas de activo fijo y de acciones de empresas de carácter permanenteDisminución o aumento en créditos diferidosDisminución o aumento en préstamos para el personalDisminución o aumento en otras actividades de inversión

Recursos generados o utilizados en actividades de inversión

Aumento de efectivo y equivalente

Efectivo y equivalentes al principio del periodo

Efectivo y equivalentes al final del periodo

Banamex

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,098.63 3,953.81 5,644.66 7,779.17 1,529.78

745.79 500.26 842.39 947.93 257.723,250.33 8,353.42 7,681.46 13,331.23 1,216.19

0.00 457.17 0.00 0.00 0.00(582.62) (1,772.44) (1,591.99) (2,811.49) (932.57)

(1,378.11) (1,514.33) (1,252.27) (511.56) 469.5288.98 16.46 134.26 146.52 (13.44)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 (4,156.67) 514.94

(25,074.64) (20,813.28) (24,308.27) (19,657.41) (20,449.28)25,121.68 29,693.68 32,974.39 37,145.48 19,381.76

0.00 0.00 0.00 0.00 0.00(199.36) (2,149.13) (1,736.95) (12,886.19) 0.00

220.19 (742.19) 4,460.69 4,395.39 24.95

4,290.88 15,983.43 22,848.37 23,722.39 1,999.58

(1,085.00) (1,557.75) (2,255.63) (5,133.90) 0.007,845.12 (2,796.26) (5,744.03) (6,024.18) (4,992.76)

0.00 0.00 0.00 0.00 (418.18)0.00 0.00 0.00 0.00 0.000.00 0.00 65.61 65.61 0.000.00 0.00 0.00 0.00 0.00

6,760.12 (4,354.01) (7,934.05) (11,092.47) (5,410.94)

(662.32) (853.89) (1,903.92) (2,587.48) (129.27)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(626.07) (937.01) (526.27) (737.47) (378.95)

(1,288.39) (1,790.90) (2,430.19) (3,324.95) (508.22)

9,762.61 9,838.52 12,484.13 9,304.97 (3,919.59)

26,465.45 26,465.45 26,465.45 26,465.45 35,770.42

36,228.06 36,303.97 38,949.59 35,770.42 31,850.83

54


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Bancomer

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

283,456.61 268,840.94 263,329.65 268,858.32 260,567.75

20,040.76 16,046.43 20,955.32 23,960.20 25,831.4030,884.40 31,212.20 31,228.44 31,553.39 30,020.12

0.00 0.00 0.00 111.76 0.000.00 0.00 0.00 0.00 0.005.91 22.58 19.21 29.52 324.88

185,683.45 174,867.93 168,182.62 172,057.02 164,895.5025,084.76 24,726.05 20,336.31 19,577.36 17,623.92

(14,428.75) (14,222.43) (13,725.20) (15,662.05) (14,099.14)2,923.76 3,003.55 3,094.62 4,336.86 2,984.804,715.22 4,519.16 4,373.74 4,087.22 3,981.893,123.25 3,093.94 3,145.40 3,040.67 3,743.80

11,114.67 11,238.36 11,277.11 11,362.98 11,111.1813,799.81 13,771.51 13,940.56 14,190.91 14,002.65

509.37 561.64 501.51 212.48 146.73

0.00 0.00 0.00 0.00 0.00

259,882.31 244,688.30 238,760.24 244,122.80 237,232.10

60,496.47 60,158.56 60,935.52 68,615.32 66,210.60140,416.33 130,599.86 128,591.57 124,127.90 123,552.13

2,209.51 541.15 530.89 517.78 500.1940,246.75 40,343.00 35,828.73 38,389.12 34,366.77

3,235.99 73.15 91.16 2.89 29.910.00 0.00 0.00 0.00 2.12

40.45 44.94 36.66 0.01 0.000.00 0.00 0.00 0.00 0.00

4,489.05 4,290.24 4,203.42 4,276.45 4,610.668,140.52 7,981.98 7,818.79 7,434.82 7,150.07

0.00 0.00 0.00 0.00 0.00607.24 655.42 723.48 758.51 809.66

23,574.30 24,152.65 24,569.41 24,735.53 23,335.65

13,249.28 13,220.83 13,197.44 13,706.22 13,670.955,292.06 5,292.49 5,292.49 5,780.61 5,780.626,715.63 6,719.41 6,719.41 6,769.21 6,769.221,241.59 1,208.93 1,185.54 1,156.39 1,121.12

10,325.02 10,931.81 11,371.98 11,029.31 9,664.695,438.10 5,397.92 5,397.92 5,456.81 5,716.106,228.17 6,270.10 5,931.64 5,979.46 6,909.58

(1,480.23) (1,394.69) (1,136.54) (895.50) (1,218.82)0.00 0.00 0.00 0.00 0.00

386.76 387.60 364.84 389.93 0.00(1,725.00) (1,769.47) (1,691.21) (2,575.81) (2,272.85)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

1,477.22 2,040.35 2,505.33 2,674.41 530.69

522.13 486.93 427.57 282.94 229.881,658.95 1,297.41 1,272.12 1,240.85 2,503.003,173.82 3,864.96 4,066.86 3,942.85 4,332.84

276,683.28 294,472.04 268,629.74 297,118.53 351,994.11128,750.53 127,806.32 123,772.62 155,762.59 136,825.79129,230.49 150,304.67 128,454.74 148,762.70 205,458.88

47,992.84 45,336.09 45,215.15 44,241.63 41,988.8423,368.19 26,341.82 29,051.49 29,058.93 42,786.93

55



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Bancomer

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

30,884.40 31,212.20 31,228.44 31,553.39 30,020.12

1,063.29 1,052.38 745.52 1,419.71 4,274.16311.98 514.36 20.07 184.41 3,083.52248.86 497.88 0.05 0.00 (14.18)

63.11 16.48 20.02 184.41 3,097.690.00 0.00 0.00 0.00 0.00

751.31 538.02 725.45 1,235.30 1,190.64

3,992.16 4,150.58 4,021.38 4,757.77 7,181.22160.81 205.94 201.72 200.42 320.19

8.97 8.87 186.42 206.06 120.70151.84 197.07 15.30 (5.64) 199.50

0.00 0.00 0.00 0.00 0.003,831.35 3,944.64 3,819.66 4,557.35 6,861.02

20,700.69 20,878.70 21,064.97 20,551.64 18,564.7420,700.69 20,878.70 21,064.97 20,551.64 18,564.74(3,259.93) 2,373.42 2,567.28 6,836.36 6,691.13

6,331.35 1,261.55 1,203.28 1,037.58 1,003.2817,629.26 17,243.74 17,294.41 12,677.70 10,870.33

0.00 0.00 0.00 0.00 0.00

5,128.26 5,130.54 5,396.57 4,824.27 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.00 0.00 0.00 111.76 0.0048,720.97 51,304.74 68,665.28 68,910.40 89,724.8351,950.92 51,357.30 68,746.01 68,798.64 89,739.68

3,235.99 73.15 91.16 2.89 29.903,405.35 4,943.98 7,582.36 1,927.00 6,639.383,399.32 4,923.38 7,571.93 1,924.11 6,624.33

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

5.91 22.58 19.21 29.52 324.88

5.91 22.58 19.21 29.52 324.880.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

40.45 44.94 36.66 0.01 0.00

40.45 44.94 36.66 0.01 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00


56


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Bancomer

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

210,768.21 199,593.98 188,518.93 191,634.38 182,519.43

185,683.45 174,867.93 168,182.62 172,057.02 164,895.50

67,061.20 55,914.91 45,858.25 45,394.90 39,879.8113.43 13.28 12.39 327.30 315.48

6,899.09 7,170.05 7,405.83 7,991.44 7,860.7534,197.93 33,336.33 33,531.34 33,766.51 34,703.4431,312.62 31,689.51 33,698.24 36,801.61 34,761.2446,199.17 46,743.86 47,676.57 47,775.27 47,374.78

25,084.76 24,726.05 20,336.31 19,577.36 17,623.92

14,177.49 14,178.16 12,906.75 12,476.92 11,775.920.00 0.00 0.00 0.00 0.00

1,087.99 1,101.92 1,139.74 1,138.48 869.519,819.27 9,445.97 6,289.82 5,961.97 4,978.49

0.00 0.00 0.00 0.00 0.00

48,955.49 39,921.22 28,195.81 27,658.14 23,866.21

44,722.56 35,608.35 24,308.40 23,506.58 20,376.51

41,670.62 33,362.17 22,855.93 22,023.33 19,048.781.94 2.14 1.42 316.64 305.280.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

1,506.29 1,421.37 1,329.06 1,274.83 1,160.351,543.71 822.67 121.98 (108.22) (137.89)

4,232.94 4,312.87 3,887.41 4,151.55 3,489.71

4,232.94 4,312.87 3,887.41 4,151.55 3,489.710.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

44,022.82 42,734.46 42,120.88 43,531.82 44,941.14

37,549.15 36,327.28 37,598.47 39,346.52 41,736.57

3,776.75 3,246.29 2,996.10 2,718.34 2,507.980.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

23,168.36 22,566.34 24,172.15 26,244.89 28,919.3010,604.04 10,514.65 10,430.22 10,383.29 10,309.28

6,473.67 6,407.17 4,522.40 4,185.30 3,204.57

2,590.26 2,550.87 2,486.97 2,298.16 1,960.060.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

3,883.41 3,856.30 2,035.43 1,887.14 1,244.51

57


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Bancomer

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

227,279.24 219,725.39 209,236.29 203,069.33 201,498.75

106,990.21 101,236.16 90,995.67 82,723.07 84,482.38

16,062.06 9,974.73 9,656.41 8,387.34 7,035.22

12,556.56 14,029.67 11,435.86 11,100.52 7,607.89

12,459.18 12,801.48 14,060.59 12,581.25 12,700.42

1,242.37 865.21 1,189.97 1,748.79 1,974.30

0.00 0.00 0.00 0.00 0.00

77,968.86 80,818.13 81,897.78 86,528.35 87,698.54

14,428.75 14,222.43 13,725.20 15,662.05 14,099.14

157.29 98.52 95.32 81.14 69.64

2,272.15 2,653.56 2,124.33 2,094.94 1,431.60

6,332.65 6,345.86 7,049.97 6,295.27 6,566.22

337.49 742.87 1,027.38 1,461.51 1,646.08

3,936.18 3,665.28 3,246.93 2,913.29 2,410.65

1,392.98 716.33 181.27 2,815.90 1,974.94

58



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Bancomer

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

254,739.54 239,676.52 233,787.45 239,088.03 231,794.37

60,496.94 60,158.56 60,936.18 68,615.50 66,210.6051,378.39 51,632.81 52,216.20 58,543.03 55,493.69

9,118.55 8,525.75 8,719.98 10,072.47 10,716.91140,416.89 130,599.36 128,591.20 124,128.06 123,551.93

2,538.01 2,486.26 2,320.99 2,216.76 2,000.2746,635.50 42,544.85 41,336.75 42,017.45 32,861.3691,243.38 85,568.25 84,933.47 79,893.85 88,690.31

0.00 0.00 0.00 0.00 0.002,209.51 541.15 530.89 517.78 500.19

40,245.77 40,342.92 35,829.79 38,388.98 34,366.7724,770.86 26,642.34 22,776.09 24,917.90 21,385.55

0.00 0.00 105.75 492.88 1,478.038,156.13 8,106.22 7,467.76 7,685.43 6,238.755,366.71 5,314.25 5,244.99 5,150.19 5,031.041,885.28 13.84 12.61 10.60 9.19

66.79 266.27 222.59 131.99 224.21

8,140.52 7,981.98 7,818.79 7,434.82 7,150.07

8,140.52 7,981.98 7,818.79 7,434.82 7,150.07

3,229.92 52.56 80.59 2.89 14.81

3,229.92 52.56 80.59 2.89 14.81

64,590.95 55,273.04 47,357.10 46,764.95 46,389.97

11,466.40 10,813.63 8,507.92 8,248.68 9,686.5110,565.25 9,903.79 7,830.37 7,698.47 9,052.27

901.15 909.84 677.56 550.21 634.2418,141.29 14,166.55 12,050.94 13,146.54 12,744.79

0.03 0.03 0.03 0.03 0.0318,141.26 14,166.52 12,050.91 13,146.51 12,744.76

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

28,236.68 26,697.19 23,319.56 21,919.47 20,694.7424,751.69 23,435.62 20,561.02 19,563.07 16,938.77

0.00 0.00 0.00 0.00 1,478.033,341.45 3,041.21 2,560.10 2,262.91 2,132.73

0.00 0.00 0.00 0.00 0.0092.57 (0.00) 0.26 (0.00) (0.00)50.97 220.35 198.17 93.49 145.21

3,690.67 3,595.67 3,478.69 3,450.26 3,263.93

3,690.67 3,595.67 3,478.69 3,450.26 3,263.93

3,055.92 0.00 0.00 0.00 0.00

3,055.92 0.00 0.00 0.00 0.00

59


Concepto








Margen financiero















Resultado Neto

Bancomer

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

17,788.31 13,415.19 13,707.39 13,571.68 58,482.56 12,611.34

9,950.00 7,063.38 8,766.59 6,468.88 32,248.84 6,749.873,020.32 1,808.74 1,858.42 1,459.56 8,147.04 1,817.38

519.31 340.85 312.01 277.05 1,449.22 259.74772.24 802.58 772.16 770.69 3,117.68 802.16828.13 778.60 2,267.68 858.43 4,732.84 1,217.28762.59 454.83 593.07 487.15 2,297.64 361.65

4,047.42 2,877.78 2,963.24 2,615.98 12,504.42 2,291.674,367.23 6,090.38 2,541.54 3,904.55 16,903.70 4,469.66

0.00 1,085.73 510.63 876.66 2,473.02 546.78105.07 149.29 144.65 224.23 623.24 199.06

3,399.74 (2,111.32) 967.96 1,916.45 4,172.83 256.15(33.73) 1,039.71 776.02 180.90 1,962.90 389.82

0.00 0.00 0.00 0.00 0.00 0.000.00 98.02 0.00 (0.00) 98.02 0.00

13,359.31 10,116.29 10,141.29 9,572.29 43,189.18 9,276.23

9,562.39 6,480.59 6,317.18 5,536.35 27,896.50 5,883.65681.92 538.65 502.48 495.40 2,218.45 469.09

6,714.00 4,677.09 4,662.58 3,963.22 20,016.89 3,978.94180.29 105.52 23.64 17.00 326.45 21.20

1,586.15 857.82 846.14 809.95 4,100.07 1,168.11400.02 301.50 282.35 250.78 1,234.65 246.31

0.00 467.16 231.80 241.32 940.28 249.833,710.92 3,254.55 3,592.31 3,794.61 14,352.40 3,142.75

86.01 (86.01) 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

845.60 343.98 335.07 406.96 1,931.62 568.42

5,274.60 3,642.87 3,901.17 4,406.36 17,225.00 3,903.52

1,751.06 847.78 1,215.60 3,788.13 7,602.57 1,594.87

3,523.54 2,795.10 2,685.57 618.23 9,622.43 2,308.66

1,073.83 1,050.53 1,000.62 1,121.82 4,246.80 1,317.19379.48 129.14 224.04 621.04 1,353.72 235.99

4,976.85 3,974.77 3,910.24 2,361.09 15,222.95 3,861.84

3,437.11 3,523.13 3,648.61 3,790.08 14,398.93 3,649.941,315.19 1,478.39 1,307.05 1,271.86 5,372.49 1,428.921,843.87 1,775.84 2,082.70 2,282.99 7,985.40 1,984.03

278.05 268.90 258.85 235.24 1,041.04 236.99

1,539.74 451.64 261.63 (1,428.99) 824.02 211.90

(232.47) (57.09) (127.05) (172.78) (589.38) (257.45)

1,307.27 394.55 134.58 (1,601.77) 234.64 (45.55)

0.00 0.00 0.00 0.00 0.00 0.00(11.82) 73.08 129.25 853.16 1,043.68 360.83

0.00 0.00 0.00 0.00 0.00 0.00

1,295.46 467.64 263.83 (748.61) 1,278.32 315.28

181.76 95.49 201.15 87.75 566.16 215.40

1,477.22 563.13 464.98 (660.86) 1,844.47 530.69

0.00 0.00 0.00 829.94 829.94 0.00

0.00 0.00 0.00 0.00 0.00 0.00

1,477.22 563.13 464.98 169.08 2,674.41 530.69

60


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Bancomer

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

283,668.30 268,831.97 263,304.42 268,870.30 260,490.51

20,075.61 16,087.29 21,004.46 24,017.28 25,859.8631,054.18 31,393.41 31,467.22 31,800.90 30,286.09

0.00 0.00 0.00 111.76 0.000.00 0.00 0.00 0.00 0.005.91 22.58 19.21 29.52 324.88

185,212.57 174,432.79 167,774.49 171,604.24 164,476.8525,112.94 24,754.03 20,362.87 19,602.15 17,646.98

(14,453.05) (14,247.03) (13,748.52) (15,683.96) (14,119.45)3,028.59 3,100.04 3,156.51 4,414.17 3,036.51

13,181.51 12,901.06 12,726.70 12,473.00 12,313.383,185.63 3,148.16 3,194.60 3,093.29 3,794.781,406.41 1,408.81 1,452.45 1,670.31 2,475.96

14,128.00 14,083.57 14,243.61 14,417.20 13,189.121,729.98 1,747.27 1,650.81 1,320.44 1,205.55

0.00 0.00 0.00 0.00 0.00

259,279.40 243,837.03 237,958.51 243,318.57 236,542.96

60,816.48 60,502.69 60,977.62 68,910.51 66,468.14139,433.77 129,198.62 127,471.25 122,855.85 122,170.86

2,209.51 541.15 530.89 517.78 500.1940,242.17 40,339.38 35,825.81 38,386.50 34,366.77

3,042.35 45.70 85.73 2.89 22.910.00 0.00 0.00 0.00 2.12

40.45 44.94 36.66 0.01 0.000.00 0.00 0.00 0.00 0.00

4,746.92 4,527.15 4,488.27 4,451.70 5,052.258,140.52 7,981.98 7,818.79 7,434.82 7,150.07

0.00 0.00 0.00 0.00 0.00607.24 655.42 723.48 758.51 809.66

24,388.90 24,994.94 25,345.92 25,551.73 23,947.56

13,249.28 13,220.83 13,197.44 13,706.22 13,670.955,292.06 5,292.49 5,292.49 5,780.61 5,780.626,715.63 6,719.41 6,719.41 6,769.21 6,769.221,241.59 1,208.93 1,185.54 1,156.39 1,121.12

11,139.62 11,774.11 12,148.48 11,845.52 10,276.605,438.10 5,397.92 5,397.92 5,456.81 5,716.106,217.70 6,260.07 5,923.36 5,968.89 6,903.09

(1,480.23) (1,394.69) (1,136.54) (895.50) (1,218.82)10.47 10.03 8.28 10.57 6.50

386.76 387.60 364.84 389.93 0.00(1,725.00) (1,769.47) (1,691.21) (2,575.81) (2,272.85)

0.00 0.00 0.00 0.00 0.00814.59 842.30 776.50 816.21 611.91

1,477.22 2,040.35 2,505.33 2,674.41 530.69

522.13 486.93 427.57 282.94 229.881,658.95 1,297.41 1,272.12 1,240.85 2,503.003,173.82 3,864.96 4,066.86 3,942.85 4,332.84

276,683.28 294,472.04 268,629.74 297,118.53 351,994.11128,750.53 127,806.32 123,772.62 155,762.59 136,825.79129,230.49 150,304.67 128,454.74 148,762.70 205,458.88

47,992.84 45,336.09 45,215.15 44,241.63 41,988.8423,368.19 26,341.82 29,051.49 29,058.93 42,786.93

61


Concepto




Margen financiero
















Resultado Neto

Bancomer

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

17,744.51 13,398.98 13,690.72 13,531.85 58,366.07 12,592.28

13,301.74 10,071.91 10,090.36 9,502.20 42,966.20 9,224.18

827.84 336.53 324.26 395.14 1,883.76 550.24

5,270.61 3,663.61 3,924.62 4,424.79 17,283.63 3,918.33

1,751.08 847.94 1,215.61 3,788.01 7,602.63 1,594.88

3,519.53 2,815.67 2,709.02 636.78 9,681.00 2,323.45

1,586.44 1,427.78 1,552.31 1,442.85 6,009.38 1,892.19

394.65 138.04 232.02 656.78 1,421.48 262.32

5,500.62 4,381.49 4,493.34 2,736.41 17,111.86 4,477.96

3,565.81 3,655.84 3,749.73 3,871.60 14,842.98 3,735.991,344.08 1,449.50 1,307.05 1,271.86 5,372.49 1,428.921,855.55 2,025.56 2,183.82 2,364.51 8,429.45 2,070.08

366.17 180.78 258.85 235.24 1,041.04 236.99

1,934.81 725.65 743.61 (1,135.19) 2,268.88 741.97

(231.74) (45.30) (116.89) (158.39) (552.31) (258.50)

1,703.07 680.35 626.73 (1,293.58) 1,716.57 483.47

10.52 5.39 5.53 2.41 23.85 166.66(142.96) (32.25) (32.23) 736.18 528.74 353.24

0.00 0.00 0.00 0.00 0.00 0.00

1,549.59 642.71 588.96 (559.81) 2,221.46 670.04

13.55 (52.75) (17.25) (61.23) (117.68) (20.63)

1,563.14 589.96 571.72 (621.05) 2,103.78 649.41

0.00 0.00 0.00 829.94 829.94 0.00

(85.93) (26.83) (106.74) (39.81) (259.31) (118.73)

1,477.22 563.13 464.98 169.08 2,674.41 530.69

62






















Bancomer

5,780.61 6,769.21 1,156.39 5,456.81 5,968.89 (895.50) 0.00 10.57 (2,185.88) 2,674.41 816.21 25,551.73

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01

0.00 0.00 0.00 259.28 2,415.13 0.00 0.00 0.00 0.00 (2,674.41) 0.00 0.00

0.00 0.00 (35.27) 0.00 8.24 (323.32) 0.00 (4.08) (4.05) 530.69 109.72 281.92

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 (82.92) 0.00 0.00 (82.92)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 (1,489.17) 0.00 0.00 0.00 0.00 0.00 (88.61) (1,577.79)

5,780.62 6,769.22 1,121.12 5,716.10 6,903.09 (1,218.82) 0.00 6.50 (2,272.85) 530.69 611.91 23,947.56

63



Concepto















Bancomer

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,563.14 2,153.11 2,724.82 2,674.41 649.41

393.26 778.25 1,166.85 1,559.17 356.221,751.08 2,599.01 3,814.62 7,601.79 1,594.88

(1,085.18) (1,304.95) (1,343.83) (1,380.39) 600.5510.37 22.62 99.61 (339.57) 13.31

142.96 175.21 207.44 (93.35) (342.74)(13.55) 39.19 56.44 391.35 20.63

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(8,674.71) (20,794.80) (26,571.11) (20,705.95) (7,164.63)9,686.79 19,771.53 29,106.90 11,640.62 5,923.13

0.00 0.00 0.00 0.00 0.00312.33 (2,928.35) (2,813.25) (2,498.16) (188.37)

0.00 0.00 0.00 0.00 0.00

4,086.50 510.83 6,448.49 (1,150.09) 1,462.40

(598.76) (789.95) (976.54) (1,389.66) (320.02)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(331.09) (331.09) (331.09) (331.09) 0.00(441.32) (478.12) (918.28) (1,397.26) (380.95)

0.00 0.00 0.00 186.07 0.00

(1,371.17) (1,599.17) (2,225.91) (2,931.94) (700.97)

(9.00) (73.36) (337.98) (593.27) (207.91)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

977.51 857.20 728.08 (244.64) 0.00

968.51 783.85 390.09 (837.91) 1,081.16

3,683.84 (304.49) 4,612.68 (4,919.95) 1,842.58

16,391.78 16,391.78 16,391.78 28,937.23 24,017.27

20,075.61 16,087.29 21,004.46 24,017.28 25,859.86

64


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Serfín

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

188,590.90 182,221.79 184,871.50 186,110.51 152,026.88

27,635.57 21,173.29 22,921.29 30,300.41 14,112.4612,359.34 9,476.04 9,964.16 12,733.54 4,162.97

13.73 0.00 7.64 45.72 4.520.00 0.00 0.00 0.00 0.00

1,045.49 1,086.60 1,056.95 984.56 465.58117,797.53 140,326.78 140,702.99 135,779.84 127,505.26

11,038.33 10,554.88 10,045.37 9,278.49 3,232.82(7,730.63) (13,329.30) (12,631.00) (14,573.92) (6,951.15)

2,906.45 2,718.13 2,520.14 3,654.79 1,119.151,745.25 1,489.06 884.99 977.09 909.702,697.35 1,045.49 2,166.25 167.01 165.258,471.50 5,075.07 4,892.50 4,604.27 4,392.408,522.36 1,915.77 1,919.61 1,872.42 1,815.312,088.63 689.98 420.63 286.28 1,092.61

0.00 0.00 0.00 0.00 0.00

178,015.32 172,701.78 175,496.44 176,569.54 144,461.79

26,954.37 24,704.13 26,045.43 29,212.06 27,074.6687,091.34 86,065.11 94,788.27 71,358.39 79,311.3524,639.77 21,856.40 19,842.62 17,251.36 13,967.8232,958.84 33,957.41 26,725.18 53,325.05 20,603.99

351.33 327.79 305.20 339.68 13.70217.45 0.00 0.00 0.00 0.00153.13 44.22 7.66 15.38 17.19

0.00 0.00 0.00 0.00 0.003,740.59 3,872.42 6,101.62 3,897.16 3,473.071,638.84 1,570.80 1,334.51 1,170.14 0.00

0.00 0.00 0.00 0.00 0.00269.66 303.50 345.96 0.32 0.02

10,575.58 9,520.01 9,375.07 9,540.96 7,565.09

19,653.25 14,018.24 13,957.28 13,966.62 13,966.641,091.40 9,826.74 9,784.01 9,787.89 9,787.91

18,561.85 4,191.50 4,173.27 4,178.73 4,178.730.00 0.00 0.00 0.00 0.00

(9,077.67) (4,498.23) (4,582.21) (4,425.66) (6,401.55)2,338.87 0.00 0.00 0.00 0.00

(14,261.99) 0.00 0.00 0.00 (6,154.33)

(735.98) 63.90 93.51 (40.68) (15.84)(10.39) 1.00 (11.50) (1.89) 1.82373.62 6.57 14.35 37.20 (177.34)

3,112.29 (76.64) (332.75) (153.20) (112.46)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

105.90 (4,493.06) (4,345.82) (4,267.09) 56.61

153.73 148.34 143.49 142.30 141.012,003.95 1,957.99 1,920.10 1,872.90 1,815.77

780.46 633.91 432.25 439.88 442.1247,451.42 45,148.59 40,923.55 39,770.38 43,400.93

119,163.85 116,398.85 115,274.02 118,773.11 107,153.1810,815.74 9,929.92 7,846.75 8,882.73 12,558.3713,448.30 13,602.85 14,011.46 7,133.45 6,912.3914,127.03 12,966.32 9,462.66 8,499.36 8,404.24

Nota La información de junio de 1999 está basada en sus estados financieros PROFORMA.

65



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Serfín

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

12,359.34 9,476.56 9,964.16 12,733.54 4,162.97

568.63 326.67 287.37 3,805.70 253.30466.13 165.67 201.23 3,767.16 1.58261.04 0.00 0.00 1.68 0.00171.47 164.13 201.23 3,765.48 1.57

33.62 1.54 0.00 0.00 0.00102.49 160.99 86.13 38.54 251.72

1,280.44 1,156.40 1,131.80 450.38 410.69519.25 508.36 468.59 450.38 410.69434.20 0.00 402.95 384.29 363.39

0.00 427.66 0.00 0.00 0.0085.05 80.69 65.64 66.09 47.29

761.20 648.04 663.21 0.00 0.00

8,948.86 6,608.88 7,180.89 7,640.58 3,498.988,948.86 6,608.88 7,180.89 7,640.58 3,498.985,150.76 2,758.72 3,426.01 3,358.15 1,408.81

0.00 3,407.37 3,527.15 3,390.50 342.603,798.10 442.79 227.72 891.93 1,747.57

0.00 0.00 0.00 0.00 0.00

1,561.41 1,384.62 1,364.11 836.89 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

12.98 0.00 7.64 45.72 4.528,849.58 3,067.38 1,793.17 9,833.93 6,969.319,200.16 3,071.56 1,785.53 9,788.21 6,964.79

350.58 327.54 304.86 339.68 13.705,997.87 1,466.94 990.06 6,241.45 2,083.906,010.85 1,143.58 685.20 5,901.77 2,070.20

0.00 0.00 0.00 0.00 0.00

217.45 0.00 0.00 0.00 0.00

1,045.49 1,086.60 1,056.95 984.56 465.58

1,045.49 1,086.60 1,056.95 984.56 465.580.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

153.13 44.22 7.66 15.38 17.19

153.13 44.22 7.66 15.38 17.190.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00



66


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Serfín

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

128,835.86 150,881.66 150,748.35 145,058.34 130,738.08

117,797.53 140,326.78 140,702.99 135,779.84 127,505.26

17,394.75 16,768.75 14,090.05 13,758.38 11,851.332,169.08 2,129.19 2,101.84 655.50 3.031,524.91 1,520.45 1,543.89 1,542.67 1,454.30

11,396.71 11,047.77 11,230.39 11,039.84 8,004.4412,848.59 12,797.72 13,032.79 6,563.99 6,563.8272,463.49 96,062.90 98,704.02 102,219.46 99,628.34

11,038.33 10,554.88 10,045.37 9,278.49 3,232.82

8,481.65 7,944.24 7,996.12 7,519.15 2,650.6781.80 100.09 94.99 48.37 38.60

170.53 152.95 113.14 98.82 88.412,303.98 2,357.59 1,841.11 1,612.15 455.15

0.37 0.00 0.00 0.00 0.00

26,280.26 24,498.22 16,432.37 9,881.77 8,680.27

24,046.90 22,734.20 14,106.55 7,751.07 7,387.45

10,943.39 10,185.71 8,529.74 7,761.83 7,410.0990.36 92.50 74.79 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

5,788.12 5,581.26 5,511.83 0.00 0.007,225.03 6,874.73 (9.81) (10.76) (22.64)

2,233.36 1,764.02 2,325.82 2,130.70 1,292.82

2,233.36 1,764.02 2,325.82 2,130.70 1,292.820.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

17,372.15 16,761.92 16,022.50 15,056.94 10,817.24

12,749.21 12,496.26 12,311.68 12,043.40 10,241.42

2,880.01 2,602.05 2,211.11 2,076.67 1,694.590.00 0.00 0.00 0.00 0.001.56 0.00 0.00 0.00 0.00

5,128.77 5,198.90 5,443.85 5,404.71 4,036.274,738.87 4,695.31 4,656.72 4,562.02 4,510.55

4,622.94 4,265.65 3,710.82 3,013.54 575.83

3,064.90 3,002.55 2,847.06 2,348.26 521.580.00 0.00 0.00 0.00 0.00

10.48 0.24 0.24 0.00 0.001,547.56 1,262.86 863.52 665.28 54.25


67


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Serfín

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

130,022.23 129,719.32 150,453.05 150,775.34 150,401.75

28,630.53 31,845.22 30,059.80 23,476.52 35,889.89

9,904.47 8,293.52 6,158.20 6,233.40 5,635.86

5,643.00 2,828.18 3,729.44 5,682.81 3,613.81

6,098.09 3,679.21 3,879.53 6,602.17 2,207.40

1,725.01 1,278.81 1,507.73 1,918.61 634.52

343.04 785.00 990.55 315.16 294.29

77,678.08 81,009.39 104,127.80 106,546.67 102,125.98

7,730.63 13,329.30 12,631.00 14,573.92 6,951.15

1,846.87 1,918.67 2,686.51 2,007.32 2,022.59

680.47 565.64 745.89 1,117.06 624.99

2,190.56 2,281.89 2,366.54 2,680.03 846.75

93.22 245.50 161.98 404.26 13.74

1,260.44 1,177.59 1,113.51 852.16 271.25

1,659.08 7,140.02 5,556.57 7,513.09 3,171.84


68



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Serfín

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

173,634.33 168,158.25 168,736.51 172,317.00 140,957.81

26,954.37 24,704.13 26,045.43 29,212.06 27,074.6621,479.68 15,564.77 20,133.84 21,877.56 20,987.72

5,474.69 9,139.36 5,911.59 7,334.51 6,086.9487,091.34 86,065.11 94,788.27 71,358.39 79,311.35

0.26 305.05 1.34 0.01 0.0115,867.79 13,739.62 13,303.92 12,163.34 10,276.0671,223.28 72,020.43 81,483.02 59,195.04 69,035.29

0.00 0.00 0.00 0.00 0.0024,639.77 21,856.40 19,842.62 17,251.36 13,967.82

32,958.68 33,956.96 26,725.69 53,325.05 20,603.9924,464.73 22,889.64 14,526.71 45,403.54 15,560.61

0.00 2,728.17 4,204.06 0.00 25.003,522.02 3,578.96 3,323.55 3,351.56 1,735.644,798.19 4,759.73 4,670.79 4,569.96 3,282.73

173.75 0.46 0.58 0.00 0.000.00 0.00 0.00 0.00 0.00

1,638.84 1,570.80 1,334.51 1,170.14 0.00

1,638.84 1,570.80 1,334.51 1,170.14 0.00

351.33 4.85 0.00 0.00 0.00

351.33 4.85 0.00 0.00 0.00

35,624.67 30,859.76 27,734.01 22,016.19 14,654.83

4,196.55 3,671.23 3,789.37 3,634.98 3,783.274,196.43 3,636.45 3,789.37 3,610.13 3,782.61

0.13 34.78 0.00 24.84 0.6615,336.53 13,070.57 10,860.60 7,700.29 3,806.41

0.00 0.00 0.00 0.00 0.0015,336.53 13,070.57 10,860.60 7,700.29 3,806.41

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

15,773.64 14,117.96 13,084.04 10,680.92 7,065.1414,131.20 12,642.53 11,736.80 9,584.78 6,503.81

0.00 0.00 0.00 0.00 0.001,615.90 1,437.41 1,347.20 1,096.14 561.33

0.00 0.00 0.00 0.00 0.0026.54 38.02 0.05 (0.00) 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

317.95 0.00 0.00 0.00 0.00

317.95 0.00 0.00 0.00 0.00


69


Concepto








Margen financiero















Resultado Neto

Serfín

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

11,359.26 8,469.39 9,046.19 10,107.38 38,982.22 8,070.63

7,835.79 5,992.53 7,088.90 6,569.31 27,486.53 5,679.88631.06 1,136.96 1,620.82 1,639.51 5,028.35 1,085.43382.36 (214.97) 99.61 (59.99) 207.02 0.04211.09 150.89 149.68 139.85 651.51 148.85628.47 470.72 504.37 430.24 2,033.81 362.78

85.96 85.02 83.50 79.35 333.85 83.015,896.85 4,363.90 4,630.91 4,340.34 19,231.99 3,999.762,822.99 1,782.96 1,592.64 1,267.80 7,466.38 955.49

48.31 59.02 42.55 55.75 205.62 276.8128.42 27.79 34.89 29.89 120.98 23.12

155.49 125.94 138.98 219.81 640.22 212.770.00 0.00 0.00 0.00 0.00 0.59

468.27 481.15 148.22 1,964.83 3,062.48 921.970.00 0.00 0.00 0.00 0.00 0.00

10,778.85 8,281.71 8,004.94 9,083.58 36,149.08 6,824.55

9,597.57 7,343.96 7,441.97 6,382.09 30,765.59 5,394.651,104.11 1,069.63 769.96 613.21 3,556.91 376.555,328.32 3,692.43 4,344.42 3,437.76 16,802.93 3,025.411,961.46 1,248.11 1,069.80 773.80 5,053.18 667.991,203.67 1,333.79 1,257.79 1,557.31 5,352.56 1,324.69

0.00 0.00 0.00 0.00 0.00 0.0010.10 5.94 4.22 28.42 48.68 8.68

643.50 389.10 369.98 597.56 2,000.14 460.0120.48 59.28 31.79 94.20 205.74 81.16

507.20 483.42 156.98 1,981.32 3,128.93 880.05

697.09 435.00 273.70 55.48 1,461.27 (6.26)

1,277.50 622.68 1,314.95 1,079.28 4,294.41 1,239.82

205.14 6,142.48 322.65 1,209.22 7,879.49 0.00

1,072.35 (5,519.81) 992.30 (129.94) (3,585.09) 1,239.82

339.75 380.69 329.65 591.01 1,641.10 318.03556.17 333.71 137.06 1,836.36 2,863.30 259.42

1,968.27 (4,805.41) 1,459.01 2,297.43 919.31 1,817.26

1,653.52 1,855.74 1,733.66 2,215.80 7,458.71 1,745.82614.33 627.82 622.52 940.67 2,805.33 671.81879.02 1,099.29 1,044.77 1,200.88 4,223.96 992.06160.17 128.64 66.37 74.25 429.42 81.96

314.76 (6,661.15) (274.65) 81.64 (6,539.40) 71.44

277.63 (7,013.24) 341.86 199.15 (6,194.60) (37.51)

592.39 (13,674.39) 67.21 280.79 (12,734.00) 33.94

11.66 11.38 11.42 123.56 158.01 10.59(544.76) (1,134.66) 50.75 9.74 (1,618.94) 0.00

0.00 0.00 0.00 0.00 0.00 0.00

35.97 (14,820.43) 106.55 166.97 (14,510.95) 23.34

69.94 101.12 84.71 (223.05) 32.71 33.26

105.90 (14,719.31) 191.25 (56.08) (14,478.24) 56.61

0.00 10,120.35 (44.01) 134.81 10,211.14 0.00

0.00 0.00 0.00 0.00 0.00 0.00

105.90 (4,598.96) 147.24 78.73 (4,267.09) 56.61


70


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Serfín

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

189,848.67 183,612.97 185,805.24 186,328.34 153,828.22

27,718.36 21,237.83 23,191.36 30,452.07 15,844.1013,770.42 11,299.47 11,260.21 13,871.84 5,625.77

39.20 7.45 7.64 201.75 4.520.00 0.00 0.00 0.00 0.00

1,142.43 1,102.24 1,088.73 984.56 465.58118,217.88 140,778.22 141,117.36 135,891.17 127,608.92

11,210.12 10,632.02 10,120.18 9,365.95 3,312.50(7,832.40) (13,385.35) (12,686.53) (14,647.00) (7,020.77)

2,913.85 2,713.55 2,531.20 3,777.56 1,193.178,112.21 4,353.47 3,452.23 3,401.51 3,323.572,766.23 1,108.23 2,227.78 404.82 232.48

600.33 595.11 601.21 491.25 524.758,505.63 1,898.10 1,901.46 1,843.29 1,620.262,684.40 1,272.64 992.40 289.55 1,093.37

0.00 0.00 0.00 0.00 0.00

178,915.86 173,724.68 176,005.66 176,786.60 146,262.44

27,414.74 24,320.12 25,463.61 29,650.11 26,766.5387,131.35 87,229.52 95,661.54 70,709.45 80,921.3524,639.77 21,856.40 19,842.62 17,251.36 13,967.8233,007.83 33,957.41 26,725.18 53,767.27 21,029.83

351.33 327.79 305.20 339.68 13.70217.45 0.00 0.00 0.00 0.00153.13 44.22 7.66 15.38 17.19

0.00 0.00 0.00 0.00 0.004,084.44 4,108.35 6,319.18 3,882.89 3,546.001,638.84 1,570.80 1,334.51 1,170.14 0.00

0.00 0.00 0.00 0.00 0.00276.98 310.07 346.16 0.32 0.02

10,932.81 9,888.29 9,799.58 9,541.74 7,565.79

19,653.25 14,018.24 13,957.28 13,966.62 13,966.641,091.40 9,826.74 9,784.01 9,787.89 9,787.91

18,561.85 4,191.50 4,173.27 4,178.73 4,178.730.00 0.00 0.00 0.00 0.00

(8,720.44) (4,129.95) (4,157.70) (4,424.88) (6,400.86)2,338.87 0.00 0.00 0.00 0.00

(14,261.99) 0.00 0.00 0.00 (6,154.33)

(735.98) 63.90 93.51 (40.68) (15.84)(10.39) 1.00 (11.50) (1.89) 1.82373.62 6.57 14.35 37.20 (177.34)

3,112.29 (76.64) (332.75) (153.20) (112.46)0.00 0.00 0.00 0.00 0.00

357.23 368.28 424.52 0.77 0.70105.90 (4,493.06) (4,345.82) (4,267.09) 56.61

381.23 369.97 143.49 159.86 157.622,003.95 1,957.99 1,920.10 1,872.90 1,815.77

780.46 633.91 432.25 439.88 442.1248,063.38 45,663.64 41,342.02 40,105.04 43,400.93

119,163.85 116,398.85 115,274.02 118,773.11 107,153.1810,815.74 9,929.92 7,846.75 8,882.73 12,558.3713,448.30 13,602.85 14,011.46 7,133.45 6,912.3914,334.36 13,060.97 9,554.48 8,499.36 8,404.24


71


Concepto




Margen financiero
















Resultado Neto

Serfín

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

11,382.81 8,519.85 9,085.54 10,052.77 39,040.97 8,078.19

10,806.22 8,310.45 8,019.63 9,020.81 36,157.11 6,829.51

697.09 435.00 273.76 55.48 1,461.33 (9.39)

1,273.68 644.40 1,339.68 1,087.44 4,345.19 1,239.29

228.40 6,150.67 322.54 1,232.94 7,934.55 0.48

1,045.28 (5,506.27) 1,017.14 (145.50) (3,589.36) 1,238.80

481.94 441.27 570.95 9.10 1,503.26 323.99

665.50 447.30 134.54 1,764.71 3,012.06 269.59

2,192.72 (4,617.70) 1,722.63 1,628.31 925.97 1,832.39

1,786.39 2,026.44 1,864.46 1,857.22 7,534.51 1,728.44679.70 695.99 695.52 794.78 2,865.99 688.62905.27 1,142.30 1,071.30 1,007.23 4,126.11 944.74201.42 188.15 97.64 55.21 542.41 95.09

406.33 (6,644.14) (141.83) (228.91) (6,608.54) 103.94

302.30 (6,916.54) 364.44 214.99 (6,034.80) (19.01)

708.63 (13,560.67) 222.62 (13.92) (12,643.35) 84.93

22.84 25.98 26.45 144.52 219.80 24.07(546.73) (1,135.99) 49.95 (2.63) (1,635.40) (28.00)

0.00 0.00 0.00 0.00 0.00 0.00

139.06 (14,722.65) 246.11 (161.07) (14,498.54) 32.86

5.37 14.92 2.49 (2.72) 20.07 23.69

144.43 (14,707.72) 248.60 (163.79) (14,478.48) 56.56

0.00 10,120.35 (44.01) 134.81 10,211.14 0.00

(38.53) (11.59) (57.35) 107.71 0.24 0.05

105.90 (4,598.96) 147.24 78.73 (4,267.09) 56.61


72






















Serfín

9,787.91 4,178.73 0.00 0.00 0.00 (40.68) 0.00 (1.89) (116.00) (4,267.09) 0.78 9,540.99

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 (6,154.33) 0.00 0.00 0.00 0.00 4,267.09 0.00 (1,887.24)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 56.61 0.00 56.61

0.00 0.00 0.00 0.00 0.00 24.83 0.00 0.00 0.00 0.00 0.00 24.83

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.71 0.00 0.00 0.00 3.71

0.00 0.00 0.00 0.00 0.00 0.00 (177.34) 0.00 0.00 0.00 0.00 (177.34)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.54 0.00 (0.08) 3.54

9,787.91 4,178.73 0.00 0.00 (6,154.33) (15.84) (177.34) 1.82 (112.46) 56.61 0.70 7,565.09

73



Concepto















Serfín

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

105.90 (4,493.06) (4,345.82) (4,267.09) 56.61

201.42 (9,730.78) (9,589.13) 542.41 95.09228.40 6,379.07 6,701.61 7,934.55 0.00

0.00 0.00 0.00 517.80 0.00(468.27) (338.92) (514.08) (367.00) 240.40

546.73 1,682.72 1,632.78 1,635.40 28.0033.15 51.29 106.33 1.21 (2.91)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 (10,079.35) 0.00

(6,293.34) (11,850.23) (4,619.13) (28,011.71) (28,682.33)4,718.16 (18,055.71) (18,616.77) (11,877.75) 6,701.81

0.00 0.00 0.00 0.00 0.00(476.13) 1,887.82 2,270.79 116.34 6,534.41

22.20 6,634.29 9,398.11 6,348.31 1,929.01

(1,381.76) (27,833.51) (17,575.32) (37,506.86) (13,099.91)

3,181.73 0.00 0.00 0.00 0.000.00 4,177.02 (3,123.00) 23,911.77 0.000.00 4,191.50 0.00 0.00 (1,170.07)0.00 0.00 0.00 0.00 0.000.00 9,826.74 13,957.28 13,966.62 0.000.00 0.00 0.00 0.00 0.00

3,181.73 18,195.26 10,834.27 37,878.40 (1,170.07)

175.82 5,114.95 4,075.83 4,220.84 (45.44)0.06 33.57 69.03 (276.87) (290.71)0.00 0.00 0.00 0.00 0.00

50.86 100.18 116.21 178.65 0.00

243.98 5,241.00 4,238.98 4,380.81 (336.16)

2,043.95 (4,397.24) (2,502.06) 4,752.34 (14,606.13)

25,674.41 25,635.07 25,693.42 25,699.73 30,450.23

27,718.36 21,237.83 23,191.36 30,452.07 15,844.10


74


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Bital

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

121,763.02 125,064.03 117,251.85 129,591.21 119,311.74

39,326.20 39,790.07 27,678.23 36,485.17 28,726.1512,633.79 16,679.75 24,037.71 25,637.48 23,813.32

254.19 87.18 134.94 102.42 82.850.00 0.00 0.00 0.00 0.001.48 0.00 1.94 3.59 2.46

52,533.83 51,573.24 51,038.29 54,633.84 54,786.1910,254.17 9,987.12 8,268.94 7,093.69 6,339.30(6,247.22) (6,251.46) (6,228.68) (6,022.88) (5,468.78)

2,284.57 2,791.45 2,204.72 3,390.93 3,244.303,868.43 3,720.86 3,557.01 3,443.75 3,278.77

543.85 537.10 542.17 550.09 503.68944.57 895.15 990.39 1,015.56 921.85

2,610.50 2,605.23 2,486.76 2,339.07 2,208.821,730.87 1,669.07 1,604.68 28.25 27.10

1,023.78 979.27 934.76 890.25 845.74

114,764.44 118,138.82 110,191.26 122,378.82 112,290.65

41,951.10 44,007.20 44,781.25 49,412.99 46,493.2249,880.38 50,729.95 49,695.73 42,512.86 47,075.01

1,720.29 602.51 62.12 60.59 58.7513,896.34 17,256.20 10,384.47 24,970.84 13,801.48

446.93 323.74 247.17 191.59 204.350.00 0.00 0.00 0.00 0.000.00 0.57 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

5,071.86 3,550.31 3,424.00 3,654.07 3,138.291,795.23 1,666.36 1,594.44 1,574.84 1,518.59

0.00 0.00 0.00 0.00 0.002.31 1.98 2.08 1.02 0.97

6,998.58 6,925.20 7,060.58 7,212.40 7,021.09

5,291.86 5,229.10 5,186.97 5,118.66 5,032.981,316.22 1,314.22 1,317.22 1,317.54 1,317.541,203.94 1,202.11 1,204.85 1,205.15 1,205.152,771.70 2,712.76 2,664.91 2,595.98 2,510.301,706.71 1,696.10 1,873.60 2,093.73 1,988.101,762.59 1,845.38 1,849.58 2,889.92 2,889.871,203.18 1,115.90 1,040.00 0.00 478.01

(5.44) (47.47) (44.34) (6.63) 48.3212.97 11.18 11.21 11.88 12.05

(89.64) (89.28) 6.05 6.68 8.79(1,290.07) (1,343.17) (1,317.08) (1,288.57) (1,513.89)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

113.12 203.56 328.18 480.45 64.97

164.80 152.74 129.43 28.11 26.595,588.26 6,456.48 6,908.90 6,759.17 6,646.00

730.92 742.57 719.25 763.34 774.08139,702.72 151,258.26 139,804.65 161,428.06 156,347.69

98,607.58 390,700.77 397,590.99 380,141.63 373,858.6089,235.19 101,741.39 92,370.00 115,911.26 114,785.6813,483.75 13,261.83 12,969.04 12,642.64 11,820.96

7,337.81 11,876.23 8,754.26 13,977.65 12,945.46

75



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Bital

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

12,633.79 16,679.75 24,037.71 25,637.48 23,813.32

2,696.84 5,422.85 13,013.92 16,180.42 14,891.901,554.18 4,429.84 12,036.53 14,829.63 13,670.48

8.90 126.48 0.00 0.00 0.001,261.59 3,502.76 11,355.98 14,197.02 12,457.89

283.69 800.60 680.55 632.61 1,212.591,142.66 993.00 977.39 1,350.79 1,221.42

1,577.52 2,060.54 1,865.51 1,724.47 2,595.221,530.77 2,059.60 1,864.52 1,723.30 2,177.97

951.76 1,495.86 1,314.16 1,167.75 1,646.63579.01 563.74 550.36 0.00 531.34

0.00 0.00 0.00 555.55 0.0046.76 0.94 0.99 1.16 417.25

6,605.18 7,474.96 7,463.38 7,260.90 6,326.206,543.22 7,474.96 7,404.23 7,216.08 6,326.203,574.92 1,449.46 1,669.25 1,521.28 1,528.22

0.00 0.00 0.00 0.00 0.002,968.30 6,025.50 5,734.98 5,694.81 4,797.98

61.95 0.00 59.14 44.82 0.00

1,754.25 1,721.40 1,694.91 471.70 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

254.19 87.19 134.94 102.42 82.8655,197.82 58,394.02 56,887.09 48,214.77 52,579.1154,943.63 58,306.83 56,752.15 48,112.35 52,496.26

446.93 323.74 247.17 191.59 204.358,226.65 8,862.76 7,373.38 4,008.00 5,142.357,779.72 8,539.02 7,126.20 3,816.41 4,938.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

1.48 0.00 1.94 3.59 2.46

1.48 0.00 1.94 3.59 2.460.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.57 0.00 0.00 0.00

0.00 0.57 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00


76


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Bital

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

62,788.00 61,560.35 59,307.23 61,727.53 61,125.49

52,533.83 51,573.24 51,038.29 54,633.84 54,786.19

21,799.28 20,286.54 18,233.50 20,367.68 20,386.872,493.52 1,377.75 1,222.16 1,053.88 1,011.601,201.14 1,396.55 1,864.10 1,964.48 2,127.836,611.25 6,581.61 7,501.44 8,092.23 8,116.594,692.68 5,922.79 6,247.58 5,610.43 5,849.75

15,735.95 16,007.99 15,969.50 17,545.14 17,293.55

10,254.17 9,987.12 8,268.94 7,093.69 6,339.30

3,180.28 3,285.60 3,519.24 3,408.26 3,359.804.45 5.32 6.55 5.44 5.39

649.24 661.29 478.62 659.07 678.336,402.25 6,034.77 4,264.41 3,020.80 2,295.66

17.96 0.13 0.12 0.12 0.12

17,492.85 12,769.77 11,294.24 10,922.77 9,938.16

16,900.71 12,047.75 10,520.75 9,902.53 8,549.16

13,269.56 9,611.53 8,513.49 8,624.76 7,366.191,898.90 859.40 688.38 473.10 457.51

0.03 0.03 0.03 0.03 0.033.60 3.51 3.39 3.36 3.18

23.80 1.87 61.32 90.77 50.851,704.81 1,571.41 1,254.14 710.52 671.40

592.14 722.01 773.49 1,020.24 1,389.00

592.14 722.01 773.49 1,020.24 1,388.900.00 0.00 0.00 0.00 0.100.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

12,956.55 11,873.37 10,755.11 8,859.28 8,237.57

7,788.42 6,998.51 7,271.33 6,948.68 7,119.63

2,733.05 1,068.27 1,116.39 921.92 872.000.00 0.00 0.00 94.43 4.76

15.98 14.96 14.38 14.15 14.075,039.39 4,529.48 4,875.93 4,698.21 5,023.24

0.00 1,385.81 1,264.62 1,219.97 1,205.57

5,168.13 4,874.86 3,483.78 1,910.59 1,117.94

617.00 665.43 622.29 443.80 315.660.00 0.00 0.00 0.00 0.004.84 4.66 4.66 4.59 4.59

4,546.29 4,204.76 2,856.83 1,462.20 797.70

77


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Bital

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

68,346.49 62,223.24 61,246.96 58,677.12 60,611.99

24,582.03 21,859.44 23,259.06 21,589.65 23,826.21

8,680.85 6,713.97 5,473.12 5,883.62 5,212.92

9,084.18 7,528.31 6,964.83 5,431.81 4,376.14

3,628.37 3,911.48 4,273.61 4,744.14 4,415.64

1,826.98 1,658.31 1,528.24 1,393.46 1,760.01

4,547.66 4,345.07 3,072.22 2,922.99 2,465.61

15,996.42 16,206.66 16,675.89 16,711.45 18,555.47

6,247.22 6,251.46 6,228.68 6,022.88 5,468.78

1,919.31 2,008.25 2,048.30 2,023.42 1,023.67

714.01 618.15 603.11 612.11 660.28

1,714.11 1,707.80 1,794.19 1,892.19 2,108.93

1,633.59 1,657.17 1,528.02 1,389.48 875.59

266.20 260.09 255.06 105.67 800.30

0.00 0.00 0.00 0.00 0.00

78



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Bital

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

109,243.33 114,262.97 106,518.58 118,532.14 108,947.04

41,951.10 44,007.20 44,781.25 49,413.00 46,493.2133,476.60 34,879.17 35,386.73 38,007.27 35,772.29

8,474.50 9,128.03 9,394.52 11,405.73 10,720.9249,880.38 50,729.95 49,695.73 42,512.86 47,075.01

162.33 170.57 53.45 56.92 46.9216,058.53 14,667.07 12,909.99 11,779.45 11,802.8233,659.53 33,734.38 34,087.27 29,126.12 32,146.46

0.00 2,157.93 2,645.02 1,550.37 3,078.811,720.29 602.51 62.12 60.59 58.74

13,896.34 17,256.95 10,385.05 24,970.84 13,801.488,058.16 6,649.37 4,372.70 18,854.00 7,753.68

110.36 4,374.96 740.22 736.10 310.004,951.70 5,557.80 4,599.94 4,722.43 5,096.10

684.18 674.15 671.49 658.38 641.7091.94 0.68 0.70 (0.07) (0.00)

0.00 0.00 0.00 0.00 0.00

1,795.23 1,666.36 1,594.44 1,574.85 1,518.59

1,795.23 1,666.36 1,594.44 1,574.85 1,518.59

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

25,030.58 24,192.67 20,727.58 20,117.80 19,713.31

6,189.05 6,638.06 6,065.67 6,249.13 5,989.736,189.05 6,551.16 5,963.27 6,153.27 5,904.10

0.00 86.90 102.39 95.86 85.6310,771.27 9,777.67 8,681.47 8,355.36 8,374.69

157.63 166.00 49.80 53.97 44.8510,613.64 9,611.67 8,631.67 8,301.39 8,329.84

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

7,961.38 7,757.53 5,980.44 5,499.27 5,348.905,287.72 5,075.53 3,993.33 3,459.43 2,971.44

0.00 0.00 0.00 0.00 0.002,581.72 2,681.81 1,986.96 2,039.66 2,377.29

0.19 0.00 0.00 0.00 0.1791.75 0.19 0.14 0.18 0.00

0.00 0.00 0.00 0.00 0.00

108.88 19.41 0.00 14.04 0.00

108.88 19.41 0.00 14.04 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

79


Concepto








Margen financiero















Resultado Neto

Bital

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

10,733.09 8,172.31 8,532.91 7,673.49 35,111.81 6,959.90

3,074.55 2,959.19 3,376.33 3,568.53 12,978.61 2,506.411,306.42 1,303.44 1,400.66 2,084.06 6,094.58 1,058.40

40.83 18.21 138.20 20.63 217.87 19.4362.26 41.24 58.56 66.92 228.98 71.4478.00 491.53 563.56 27.78 1,160.87 418.86

260.82 125.56 222.64 444.53 1,053.56 165.501,326.22 979.21 992.71 924.61 4,222.75 772.784,688.28 2,908.97 3,509.78 2,643.17 13,750.20 2,973.631,832.75 1,668.35 1,119.33 884.05 5,504.47 932.03

86.31 88.66 100.23 120.37 395.57 111.88758.93 427.65 319.03 385.68 1,891.28 375.19124.62 31.52 (16.03) 13.57 153.68 15.92167.65 87.98 124.25 58.12 438.00 44.85

0.00 0.00 0.00 0.00 0.00 0.00

8,244.67 6,284.53 6,324.81 5,533.11 26,387.12 5,068.74

3,886.75 3,129.84 3,239.67 2,948.16 13,204.41 2,708.97838.69 622.08 615.87 533.29 2,609.93 504.84

2,140.80 1,715.13 1,930.04 1,549.99 7,335.97 1,639.14143.70 68.06 21.25 (2.36) 230.64 2.99582.87 662.40 620.80 828.16 2,694.24 524.39180.69 62.16 51.70 39.09 333.64 37.60

50.58 46.59 47.34 47.94 192.45 50.154,288.98 3,100.11 3,008.88 2,480.66 12,878.62 2,259.20

18.37 7.99 28.93 56.35 111.64 50.430.00 0.00 0.00 0.00 0.00 0.00

48.41 50.35 61.70 48.90 209.36 96.30

2,536.83 1,938.13 2,269.80 2,189.28 8,934.04 1,987.45

667.06 633.13 599.16 600.67 2,500.03 513.45

1,869.77 1,305.00 1,670.64 1,588.61 6,434.01 1,474.00

648.65 676.67 690.73 749.89 2,765.94 704.29203.22 394.73 394.59 626.85 1,619.39 414.51

2,721.64 2,376.39 2,755.96 2,965.34 10,819.34 2,592.80

2,357.90 2,227.84 2,385.33 2,419.81 9,390.88 2,384.38873.09 863.64 901.60 938.86 3,577.19 918.97

1,287.03 1,166.76 1,280.27 1,286.28 5,020.33 1,274.31197.78 197.45 203.47 194.67 793.37 191.10

363.74 148.55 370.63 545.53 1,428.45 208.42

(129.60) (29.56) (168.08) (119.88) (447.12) (139.48)

234.14 118.99 202.56 425.65 981.33 68.94

101.19 28.35 11.04 (12.18) 128.40 38.774.57 33.99 24.80 (40.89) 22.47 23.610.00 0.00 0.00 0.00 0.00 0.00

137.52 124.62 216.31 396.94 875.40 53.78

(24.40) 11.90 (88.88) (73.20) (174.57) 11.19

113.12 136.52 127.43 323.75 700.82 64.97

0.00 (46.09) (2.81) (171.47) (220.37) 0.00

0.00 0.00 0.00 0.00 0.00 0.00

113.12 90.44 124.62 152.27 480.45 64.97

80


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Bital

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

121,748.82 125,001.85 117,202.49 129,546.56 119,287.71

39,326.38 39,790.77 27,678.91 36,485.84 28,743.8713,234.20 17,036.46 24,364.58 25,981.36 23,813.32

254.19 87.18 134.94 102.42 82.850.00 0.00 0.00 0.00 0.001.48 0.00 1.94 3.59 2.46

51,832.44 51,102.00 50,720.93 54,356.94 54,765.5010,254.17 9,987.12 8,268.94 7,093.69 6,339.30(6,247.22) (6,251.46) (6,228.68) (6,022.88) (5,468.78)

2,321.51 2,801.28 2,222.74 3,400.18 3,251.504,672.86 4,514.97 4,332.31 4,210.20 4,031.03

543.85 537.10 542.17 550.09 503.68189.47 142.55 137.21 127.25 125.11

2,610.50 2,605.23 2,486.76 2,339.07 2,224.741,731.20 1,669.39 1,604.99 28.56 27.39

1,023.78 979.27 934.76 890.25 845.74

114,750.20 118,076.61 110,141.86 122,334.12 112,266.58

41,927.58 43,943.31 44,730.39 49,370.94 46,450.6049,880.38 50,729.95 49,695.73 42,512.86 47,075.01

1,720.29 602.51 62.12 60.59 58.7513,896.31 17,255.84 10,383.80 24,966.57 13,801.27

446.93 323.74 247.17 191.59 204.350.00 0.00 0.00 0.00 0.000.00 0.57 0.00 0.00 0.000.00 0.00 0.00 0.00 16.03

5,081.17 3,552.35 3,426.13 3,655.70 3,141.011,795.23 1,666.36 1,594.44 1,574.84 1,518.59

0.00 0.00 0.00 0.00 0.002.31 1.98 2.08 1.02 0.97

6,998.62 6,925.24 7,060.62 7,212.44 7,021.13

5,291.86 5,229.10 5,186.97 5,118.66 5,032.981,316.22 1,314.22 1,317.22 1,317.54 1,317.541,203.94 1,202.11 1,204.85 1,205.15 1,205.152,771.70 2,712.76 2,664.91 2,595.98 2,510.301,706.76 1,696.14 1,873.65 2,093.78 1,988.151,762.59 1,845.38 1,849.58 2,889.92 2,889.871,203.18 1,115.90 1,040.00 0.00 478.01

(5.44) (47.47) (44.34) (6.63) 48.3212.97 11.18 11.21 11.88 12.05

(89.64) (89.28) 6.05 6.68 8.79(1,290.07) (1,343.17) (1,317.08) (1,288.57) (1,513.89)

0.00 0.00 0.00 0.00 0.000.05 0.04 0.04 0.04 0.04

113.12 203.56 328.18 480.45 64.97

164.80 152.74 129.43 28.11 26.595,588.26 6,456.48 6,908.90 6,759.17 6,646.00

730.92 742.57 719.25 763.34 774.08139,702.72 151,258.26 139,804.65 161,428.06 156,347.69

98,607.58 390,700.77 397,590.99 380,141.63 373,858.6089,235.19 101,741.39 92,370.00 115,911.26 114,785.6813,483.75 13,261.83 12,969.04 12,642.64 11,820.96

7,337.81 11,876.23 8,754.26 13,977.65 12,945.46

81


Concepto




Margen financiero
















Resultado Neto

Bital

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

10,731.97 8,174.63 8,533.25 7,674.58 35,114.43 6,959.89

8,245.03 6,284.45 6,324.54 5,532.66 26,386.69 5,068.00

48.45 50.31 61.70 48.90 209.36 96.30

2,535.39 1,940.49 2,270.40 2,190.81 8,937.10 1,988.18

667.06 633.13 599.16 600.67 2,500.03 513.45

1,868.33 1,307.36 1,671.24 1,590.14 6,437.07 1,474.74

648.65 676.67 690.73 749.89 2,765.94 704.29

176.79 410.19 295.35 538.72 1,421.04 420.38

2,693.77 2,394.21 2,657.33 2,878.75 10,624.05 2,599.41

2,361.59 2,231.85 2,388.97 2,422.23 9,404.64 2,387.52873.24 863.53 901.58 938.87 3,577.21 918.98

1,281.46 1,161.80 1,274.79 1,279.63 4,997.69 1,268.50206.89 206.52 212.61 203.73 829.74 200.04

332.18 162.35 268.36 456.52 1,219.41 211.89

(129.10) (29.08) (165.39) (112.21) (435.78) (139.50)

203.08 133.27 102.97 344.31 783.63 72.39

103.00 31.31 13.10 (10.18) 137.22 32.014.39 34.16 24.80 (40.89) 22.47 23.610.00 0.00 0.00 0.00 0.00 0.00

104.47 136.13 114.67 313.60 668.87 63.98

8.65 0.39 12.76 10.14 31.95 0.98

113.12 136.52 127.43 323.75 700.82 64.97

0.00 (46.09) (2.81) (171.47) (220.37) 0.00

0.00 0.00 0.00 0.00 0.00 0.00

113.12 90.44 124.62 152.27 480.45 64.97

82






















Bital

1,317.54 1,205.15 2,595.97 2,889.87 0.00 (6.63) 0.00 11.88 (1,281.89) 478.01 0.04 7,209.94

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 478.01 0.00 0.00 0.00 0.00 (478.01) 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 64.97 0.00 64.97

0.00 0.00 0.00 0.00 0.00 54.95 0.00 0.00 0.00 0.00 0.00 54.95

0.00 0.00 0.00 0.00 0.00 0.00 8.79 0.00 (8.79) 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.17 0.00 0.00 0.00 0.17

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 (223.22) 0.00 0.00 (223.22)

0.00 0.00 (85.67) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 (85.67)

1,317.54 1,205.15 2,510.30 2,889.87 478.01 48.32 8.79 12.05 (1,513.89) 64.97 0.04 7,021.13

83



Concepto















Bital

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

113.12 203.56 328.18 480.45 64.97

206.89 413.41 626.01 829.74 200.04667.06 1,300.20 1,899.36 2,500.03 513.45

16.67 32.55 47.93 59.18 16.93110.90 4.35 (35.43) (165.06) 55.00(4.39) (38.55) (63.35) (22.47) (30.37)(8.58) (3.04) (15.53) (25.44) (0.00)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

2,803.83 4,689.01 3,695.29 1,129.16 1,640.042,218.10 2,607.31 4,328.35 2,682.78 (630.84)

0.00 0.00 0.00 0.00 0.001,472.70 1,139.25 (13,143.16) (34.36) (8,962.40)(879.52) (2,863.02) (2,285.11) (3,137.69) (224.41)

6,716.79 7,485.03 (4,617.46) 4,296.32 (7,357.60)

0.00 0.00 0.00 0.00 (56.25)0.00 0.00 0.00 0.00 0.00

(390.38) (570.67) (701.71) (791.45) (85.67)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(5.76) (7.53) (85.97) (85.70) 0.17

(396.15) (578.20) (787.69) (877.15) (141.76)

(180.48) (249.95) (126.42) (157.50) (243.70)43.23 41.19 42.45 48.00 1.110.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(137.25) (208.76) (83.97) (109.50) (242.58)

6,183.39 6,698.07 (5,489.12) 3,309.67 (7,741.94)

33,142.99 33,092.70 33,168.02 33,176.16 36,485.81

39,326.38 39,790.77 27,678.91 36,485.84 28,743.87

84


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Bilbao Vizcaya

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

82,661.76 88,104.80 88,410.50 85,125.93 85,124.02

10,893.14 14,609.72 16,390.51 11,173.84 10,308.392,863.85 3,121.18 3,694.19 6,264.30 5,636.97

228.39 241.79 224.45 333.70 257.450.00 0.00 0.00 0.00 0.00

73.68 59.86 20.39 17.50 27.6256,545.32 57,985.46 56,057.51 56,112.49 56,018.03

1,317.74 1,242.57 1,054.31 1,083.57 1,063.85(1,188.40) (1,153.75) (929.69) (919.66) (1,036.77)

2,144.60 2,232.34 1,092.74 1,173.49 3,480.032,367.42 2,407.74 2,419.27 2,772.51 2,589.63

482.70 441.35 497.24 527.46 486.121,514.09 1,508.24 1,528.21 965.01 996.393,649.32 3,683.58 4,706.52 4,580.10 4,696.001,708.26 1,667.11 1,600.93 991.51 554.19

61.64 57.61 53.93 50.09 46.14

76,920.06 82,309.79 82,590.65 79,322.13 79,353.57

15,267.56 16,711.56 17,167.12 18,568.47 20,508.2047,988.99 52,294.69 53,535.45 48,830.03 43,039.28

0.00 0.00 0.00 576.25 555.2010,970.47 10,582.01 9,869.99 9,000.40 10,465.05

203.99 166.22 184.41 303.55 230.700.00 0.00 0.00 0.00 0.000.24 3.68 7.62 7.01 24.160.00 0.00 0.00 0.00 0.00

2,075.98 2,204.20 1,474.64 1,705.21 2,629.15400.15 338.32 334.63 327.44 1,895.02

0.00 0.00 0.00 0.00 0.0012.70 9.12 16.79 3.77 6.81

5,741.70 5,795.01 5,819.85 5,803.79 5,770.45

7,385.64 7,326.03 7,274.82 7,262.04 7,148.385,492.58 5,492.58 5,492.58 5,494.02 6,629.68

0.46 0.46 0.46 0.46 518.701,892.60 1,832.99 1,781.78 1,767.55 0.00

(1,643.94) (1,531.02) (1,454.97) (1,458.24) (1,377.92)54.71 477.92 477.93 477.93 477.93

(1,324.95) (1,748.16) (1,748.00) (1,748.00) (1,329.28)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

376.63 418.43 430.33 458.00 34.39(903.75) (944.29) (983.09) (1,121.93) (663.92)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

153.42 265.08 367.86 475.76 102.97

719.23 714.90 1,025.80 1,124.29 1,435.46276.17 269.84 264.61 258.11 250.24414.14 407.62 372.04 605.87 368.97

53,389.69 52,916.33 52,943.24 54,292.46 48,656.7912,723.12 14,822.84 18,070.36 14,563.59 14,511.2728,883.76 25,916.27 27,008.97 25,504.15 22,771.4314,628.52 14,116.16 13,689.83 12,839.81 12,237.70

1,000.14 1,068.99 4,298.35 4,499.73 39,834.28

85



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Bilbao Vizcaya

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,863.85 3,121.18 3,694.19 6,264.30 5,636.96

1,459.89 1,553.84 2,162.11 4,915.17 4,459.221,342.98 1,533.79 2,101.63 4,829.95 4,460.93

220.21 204.15 124.98 91.85 1,035.781,121.26 1,081.63 1,532.19 4,346.93 3,281.09

1.51 248.02 444.46 391.17 144.05116.92 20.05 60.48 85.22 (1.70)

0.00 0.00 0.00 0.00 506.450.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 506.45

758.33 925.07 902.22 727.57 671.29758.33 925.07 902.22 727.57 671.29

0.00 (0.00) (0.00) 0.00 0.000.00 0.00 0.00 0.00 0.00

758.33 925.08 902.22 727.57 671.290.00 0.00 0.00 0.00 0.00

645.62 642.26 629.85 621.56 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

228.39 241.79 224.45 333.70 257.4510,526.65 14,223.68 18,326.14 17,621.49 24,371.0510,298.26 13,981.89 18,101.68 17,287.78 24,113.60

203.99 166.22 184.41 303.55 230.707,963.62 11,775.43 14,468.93 16,010.96 21,625.987,759.63 11,609.21 14,284.52 15,707.41 21,395.28

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

73.68 59.86 20.39 17.50 27.62

73.68 59.86 20.39 17.50 27.620.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.24 3.68 7.62 7.01 24.16

0.24 3.68 7.62 7.01 24.160.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00


86


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Bilbao Vizcaya

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

57,863.06 59,228.02 57,111.83 57,196.06 57,081.88

56,545.32 57,985.46 56,057.51 56,112.49 56,018.03

22,794.06 25,209.45 23,829.69 25,341.76 26,038.500.00 0.00 0.00 0.00 0.00

710.50 808.48 904.32 925.10 967.963,375.47 3,296.82 3,137.76 3,094.81 3,016.202,239.34 1,958.46 2,022.22 2,014.59 2,042.48

27,425.95 26,712.23 26,163.51 24,736.23 23,952.89

1,317.74 1,242.57 1,054.31 1,083.57 1,063.85

1,013.55 896.35 767.17 820.24 724.160.00 0.00 0.00 0.00 0.00

69.20 79.78 102.73 108.98 94.31234.99 266.44 184.41 154.35 245.37

0.00 0.00 0.00 0.00 0.00

14,169.52 14,233.85 12,674.80 13,159.65 12,660.60

13,909.52 13,898.32 12,196.87 12,631.39 12,129.25

11,316.19 11,726.43 10,563.97 11,583.98 11,764.580.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.002.55 0.00 0.00 0.00 0.00

2,590.77 2,171.89 1,632.90 1,047.41 364.67

260.00 335.53 477.93 528.26 531.35

260.00 335.53 477.93 528.26 531.350.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

4,147.62 3,888.99 3,461.72 3,302.47 3,211.09

3,890.11 3,621.51 3,353.44 3,199.18 3,128.76

572.67 440.94 425.29 361.62 335.160.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

2,111.80 1,984.64 1,742.09 1,661.54 1,627.801,205.64 1,195.93 1,186.06 1,176.02 1,165.81

257.52 267.48 108.27 103.29 82.33

221.99 235.48 80.36 79.97 55.370.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

35.52 32.00 27.92 23.31 26.96

87


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Bilbao Vizcaya

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

59,657.12 57,643.44 59,021.40 57,071.33 57,143.21

26,034.38 26,313.65 27,573.55 26,166.51 27,825.54

2,333.76 1,040.47 1,998.59 2,011.02 1,944.47

1,624.45 1,428.57 1,427.91 1,315.84 1,050.55

943.19 943.84 693.11 690.22 725.35

113.63 106.33 111.08 106.07 96.89

174.47 3.62 274.11 445.72 705.72

28,433.24 27,806.97 26,943.04 26,335.94 24,794.70

1,188.40 1,153.75 929.69 919.66 1,036.77

61.52 165.11 22.35 21.86 27.57

438.81 306.74 305.28 289.00 272.51

534.02 547.38 472.60 469.36 542.39

67.55 50.01 129.46 134.79 149.25

0.00 0.00 0.00 0.00 0.00

86.50 84.51 0.00 4.65 45.04

88



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Bilbao Vizcaya

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

74,627.16 79,926.58 80,908.29 77,302.11 76,462.75

15,267.56 16,711.56 17,167.12 18,567.99 20,508.2011,962.19 13,844.91 14,229.92 15,058.95 15,404.46

3,305.38 2,866.65 2,937.20 3,509.04 5,103.7447,988.99 52,294.69 53,535.97 48,830.04 43,039.28

0.04 0.04 0.00 0.00 0.009,452.95 9,837.22 11,009.92 11,061.96 10,065.30

38,535.99 42,457.43 42,526.05 37,768.08 32,973.980.00 0.00 0.00 0.00 0.000.00 0.00 0.00 576.25 555.20

10,970.47 10,582.01 9,870.58 9,000.40 10,465.058,393.26 8,163.66 8,110.59 7,416.19 6,635.86

0.00 0.00 0.00 75.80 2,116.702,527.95 2,391.49 1,731.91 1,483.02 1,688.08

27.42 26.82 26.44 25.39 24.4121.84 0.04 1.64 (0.00) (0.00)

0.00 0.00 0.00 0.00 0.00

400.15 338.32 334.63 327.44 1,895.02

400.15 338.32 334.63 327.44 1,895.02

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

20,495.01 20,654.21 18,960.06 20,123.12 20,684.90

5,612.99 5,238.87 4,030.53 5,077.62 5,908.064,567.10 4,468.66 3,356.09 3,973.60 4,438.321,045.89 770.21 674.45 1,104.03 1,469.744,721.69 5,563.04 5,740.91 6,086.65 4,341.44

0.00 0.00 0.00 0.00 0.004,721.69 5,563.04 5,740.91 6,086.60 4,341.44

0.00 0.00 0.00 0.05 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 576.25 555.20

9,839.45 9,546.07 8,886.12 8,087.46 8,017.388,391.40 8,163.61 8,110.59 7,415.84 6,634.73

0.00 0.00 0.00 0.00 464.231,432.23 1,382.47 775.53 672.08 918.42

0.00 0.00 0.00 0.00 0.0015.82 (0.00) (0.00) (0.46) 0.00

0.00 0.00 0.00 0.00 0.00

320.89 306.24 302.50 295.14 1,862.82

320.89 306.24 302.50 295.14 1,862.82

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

89


Concepto








Margen financiero















Resultado Neto

Bilbao Vizcaya

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

5,224.82 4,205.10 4,373.27 4,237.62 18,040.81 3,921.48

3,493.30 2,776.36 2,781.20 2,522.92 11,573.78 2,244.571,198.07 948.71 1,078.92 991.16 4,216.86 923.74

41.33 124.62 16.74 24.06 206.75 31.3877.29 64.84 73.96 76.88 292.97 71.81

118.26 97.02 140.67 96.35 452.30 102.8831.11 53.18 33.33 59.18 176.79 33.34

2,027.24 1,487.99 1,437.59 1,275.28 6,228.11 1,081.41693.81 435.31 510.53 659.14 2,298.79 662.77270.56 209.09 341.41 312.94 1,134.01 255.95

24.54 22.18 15.25 14.36 76.33 24.55604.50 581.05 644.18 686.94 2,516.67 709.31

0.05 0.20 0.37 0.31 0.94 0.00138.06 112.02 80.32 33.70 364.10 24.33

0.00 68.89 (0.00) 7.30 76.19 0.00

4,494.63 3,475.44 3,612.10 3,498.41 15,080.58 3,258.99

3,737.31 2,764.77 2,801.58 2,646.91 11,950.57 2,326.27429.90 306.62 385.77 492.04 1,614.33 499.53

3,164.78 2,354.82 2,324.47 2,074.46 9,918.53 1,706.410.00 0.00 0.00 8.58 8.58 10.23

134.13 96.78 85.53 65.75 382.20 74.568.50 6.55 5.81 6.08 26.94 35.55

17.17 13.89 12.87 16.47 60.41 5.34740.04 696.87 797.65 835.03 3,069.60 927.32

0.10 (0.10) 0.00 0.00 0.00 0.060.00 0.00 0.00 0.00 0.00 0.00

694.15 342.69 292.28 385.60 1,714.71 405.37

1,424.34 1,072.35 1,053.45 1,124.80 4,674.95 1,067.86

68.45 83.88 172.55 300.38 625.26 158.63

1,355.89 988.47 880.90 824.42 4,049.69 909.23

190.91 218.66 249.38 280.18 939.14 180.8775.27 75.66 6.15 81.51 238.60 102.98

1,622.08 1,282.80 1,136.42 1,186.12 5,227.42 1,193.08

1,042.64 1,132.21 1,176.96 1,236.11 4,587.91 1,126.40502.63 525.19 553.04 541.45 2,122.31 541.38447.52 512.69 518.07 567.43 2,045.72 462.15

92.48 94.33 105.85 127.23 419.88 122.87

579.45 150.59 (40.54) (49.99) 639.51 66.67

(489.58) (68.15) 106.26 162.79 (288.68) (27.38)

89.87 82.44 65.72 112.81 350.83 39.29

0.00 0.00 0.00 0.04 0.04 0.0243.69 (0.00) 12.76 (12.76) 43.69 57.27

0.00 0.00 0.00 0.00 0.00 0.00

133.56 82.44 78.49 100.00 394.48 96.54

10.92 25.43 18.93 8.55 63.84 1.67

144.48 107.87 97.42 108.55 458.32 98.21

8.93 3.80 5.36 (0.66) 17.44 4.76

0.00 0.00 0.00 0.00 0.00 0.00

153.42 111.67 102.78 107.90 475.76 102.97

90


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Bilbao Vizcaya

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

82,434.91 87,883.51 88,178.66 84,886.66 84,880.63

10,893.14 14,609.72 16,390.51 11,173.84 10,308.392,864.17 3,121.51 3,694.42 6,264.43 5,637.10

228.39 241.79 224.45 333.70 257.450.00 0.00 0.00 0.00 0.00

73.68 59.86 20.39 17.50 27.6256,545.32 57,985.46 56,057.51 56,112.49 56,018.03

1,317.74 1,242.57 1,054.31 1,083.57 1,063.85(1,188.40) (1,153.75) (929.69) (919.66) (1,036.77)

2,158.06 2,246.60 1,108.28 1,190.54 3,498.663,032.79 3,068.48 3,074.92 3,423.52 3,266.40

482.70 441.35 497.24 527.46 486.12633.14 635.81 648.42 84.17 83.03

3,624.27 3,659.40 4,683.05 4,553.48 4,670.451,708.26 1,667.11 1,600.93 991.51 554.19

61.64 57.61 53.93 50.09 46.14

76,693.21 82,088.50 82,358.81 79,082.87 79,110.18

15,089.24 16,525.45 16,971.63 18,365.98 20,302.6647,938.14 52,257.67 53,496.70 48,790.11 42,998.51

0.00 0.00 0.00 576.25 555.2010,970.47 10,582.01 9,869.99 9,000.40 10,465.05

203.99 166.22 184.41 303.55 230.700.00 0.00 0.00 0.00 0.000.24 3.68 7.62 7.01 24.160.00 0.00 0.00 0.00 0.00

2,078.31 2,206.03 1,477.04 1,708.35 2,632.07400.15 338.32 334.63 327.44 1,895.02

0.00 0.00 0.00 0.00 0.0012.70 9.12 16.79 3.77 6.81

5,741.70 5,795.01 5,819.85 5,803.79 5,770.45

7,385.64 7,326.03 7,274.82 7,262.04 7,148.385,492.58 5,492.58 5,492.58 5,494.02 6,629.68

0.46 0.46 0.46 0.46 518.701,892.60 1,832.99 1,781.78 1,767.55 0.00

(1,643.94) (1,531.02) (1,454.97) (1,458.24) (1,377.92)54.71 477.92 477.93 477.93 477.93

(1,324.95) (1,748.16) (1,748.00) (1,748.00) (1,329.28)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

376.63 418.43 430.33 458.00 34.39(903.75) (944.29) (983.09) (1,121.93) (663.92)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

153.42 265.08 367.86 475.76 102.96

719.23 714.90 1,025.80 1,124.29 1,435.46276.17 269.84 264.61 258.11 250.24414.14 407.62 372.04 605.87 368.97

53,389.69 52,916.33 52,943.24 54,292.46 48,656.7912,723.12 14,822.84 18,070.36 14,563.59 14,511.2728,883.76 25,916.27 27,008.97 25,504.15 22,771.4314,628.52 14,116.16 13,689.83 12,839.81 12,237.70

1,000.14 1,068.99 4,298.35 4,499.73 39,834.28

91


Concepto




Margen financiero
















Resultado Neto

Bilbao Vizcaya

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

5,225.00 4,205.38 4,373.62 4,238.19 18,042.19 3,921.53

4,484.99 3,469.67 3,606.26 3,493.85 15,054.77 3,254.38

683.82 338.25 288.23 380.26 1,690.56 397.69

1,423.83 1,073.96 1,055.59 1,124.60 4,677.98 1,064.83

68.45 83.88 172.55 300.38 625.26 158.63

1,355.38 990.08 883.04 824.22 4,052.72 906.20

190.91 218.66 249.38 280.18 939.14 180.87

75.27 75.66 6.15 81.51 238.60 102.98

1,621.57 1,284.40 1,138.56 1,185.92 5,230.45 1,190.05

1,041.39 1,130.95 1,175.91 1,235.36 4,583.62 1,125.03502.63 525.19 553.04 541.45 2,122.31 541.38441.04 506.26 511.93 561.89 2,021.13 456.31

97.72 99.49 110.94 132.02 440.18 127.34

580.17 153.46 (37.35) (49.44) 646.84 65.02

(485.85) (64.49) 110.01 166.83 (273.50) (24.24)

94.32 88.96 72.66 117.39 373.34 40.79

0.00 0.00 0.00 0.04 0.04 0.0243.69 (0.00) 12.76 (16.76) 39.70 57.27

0.00 0.00 0.00 0.00 0.00 0.00

138.02 88.96 85.42 100.59 412.99 98.03

6.47 18.91 11.99 7.96 45.33 0.17

144.48 107.87 97.42 108.55 458.32 98.20

8.93 3.80 5.36 (0.66) 17.44 4.76

0.00 0.00 (0.00) 0.00 0.00 0.00

153.42 111.67 102.78 107.90 475.76 102.96

92






















Bilbao Vizcaya

5,494.02 0.46 1,767.55 477.93 (1,748.01) 0.00 0.00 0.00 (663.92) 475.76 0.00 5,803.79

1,135.66 518.24 (1,653.89) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 (113.66) 0.00 0.00 0.00 0.00 0.00 0.00 102.97 0.00 (10.69)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 (57.03) 0.00 0.00 0.00 34.39 0.00 0.00 (22.64)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6,629.68 518.70 0.00 477.93 (1,805.03) 0.00 0.00 0.00 (629.54) 578.72 0.00 5,770.45

93



Concepto















Bilbao Vizcaya

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

153.42 265.08 367.86 475.76 102.97

98.18 197.92 309.40 442.41 127.4536.42 83.03 213.61 483.76 115.230.86 39.79 61.48 517.89 130.12

(250.27) (330.93) (311.41) (315.97) (111.27)(43.69) (43.69) (1,041.76) (39.70) (256.00)(6.28) (23.76) (37.36) (45.33) (0.17)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(7,533.53) (2,166.24) (1,193.05) (4,798.63) (2,411.32)3,751.13 2,304.90 4,066.47 3,702.05 116.06

0.00 0.00 0.00 0.00 0.004,609.52 4,339.34 3,774.63 1,207.12 635.38(349.93) (326.75) 81.06 (219.11) (1,520.86)

465.81 4,338.70 6,290.93 1,410.26 (3,072.42)

0.00 0.00 0.00 0.00 1,567.580.00 0.00 0.00 0.00 0.00

(28.16) (89.99) (93.68) (100.87) 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 1.44 0.000.00 0.00 0.00 0.00 0.00

(28.16) (89.99) (93.68) (99.43) 1,567.58

(155.58) (207.97) (382.14) (464.24) 8.34(0.41) (3.98) 3.69 (9.33) 3.04

0.00 0.00 0.00 0.00 0.0010.95 (11.98) (32.14) (39.34) 47.70

(225.67) (320.16) (487.92) (818.15) 639.38

211.97 3,928.55 5,709.34 492.67 (865.46)

10,681.17 10,681.17 10,681.17 10,681.17 11,173.84

10,893.14 14,609.72 16,390.51 11,173.84 10,308.39

94


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Citibank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

72,431.68 70,807.47 74,216.70 74,266.47 77,395.97

4,373.50 4,269.94 6,943.89 5,746.74 5,760.4631,254.59 31,968.74 36,756.19 37,028.98 30,313.99

28.38 0.00 0.00 13.92 0.19960.12 254.29 0.00 0.00 0.00

1,459.38 1,388.96 963.94 669.04 480.4728,992.38 26,741.49 22,862.89 25,345.86 24,898.24

163.39 865.21 866.48 1,028.84 964.22(259.40) (462.28) (486.63) (877.38) (868.59)1,533.38 1,312.13 1,835.08 1,384.29 11,617.671,655.71 1,627.31 1,604.85 1,669.39 1,618.07

872.38 1,138.05 1,450.55 832.92 791.981,275.01 1,574.37 1,334.60 1,331.56 1,541.57

0.00 0.00 0.00 0.00 0.00122.87 129.26 84.86 92.31 277.69

0.00 0.00 0.00 0.00 0.00

68,273.81 66,094.77 69,367.44 69,388.50 71,923.71

9,945.46 10,098.41 9,369.76 10,663.50 9,378.5643,162.86 44,279.43 42,042.63 43,157.19 38,414.06

565.92 535.49 1,596.55 1,562.03 1,011.1811,091.83 8,867.30 13,766.90 11,377.62 9,508.47

9.07 9.27 10.49 0.00 10.990.22 0.00 0.00 0.00 0.00

178.47 199.40 213.32 264.24 187.15307.00 240.93 383.07 574.14 543.65

2,954.65 1,795.86 1,894.20 1,675.77 12,740.360.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

58.32 68.66 90.54 114.00 129.28

4,157.87 4,712.69 4,849.26 4,877.97 5,472.26

4,341.41 4,331.11 4,331.64 4,345.76 4,905.974,341.41 4,331.11 4,331.64 4,345.76 4,905.97

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(183.54) 381.58 517.62 532.21 566.29283.50 282.83 282.86 283.79 283.78492.30 472.70 556.67 558.48 700.88

(7.40) (46.12) (11.42) (16.77) (19.76)0.00 0.00 0.00 0.00 0.00

110.42 106.11 108.11 113.03 5.15(1,249.55) (954.65) (1,349.59) (1,109.10) (954.10)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

187.18 520.71 931.00 702.78 550.35

18.06 17.65 17.31 16.88 16.370.00 0.00 0.00 0.00 0.00

5,201.51 4,731.93 4,601.23 4,067.79 4,077.605,333.69 10,641.49 15,352.06 17,731.97 15,511.76

200,475.12 235,966.51 220,613.95 281,304.74 242,299.4915,826.94 19,432.19 13,377.97 18,956.53 16,474.35

0.00 0.00 0.00 0.00 0.0045,387.99 51,239.68 49,884.00 52,475.62 45,082.92

95



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Citibank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

31,254.58 31,968.75 36,756.19 37,028.98 30,313.99

1,063.31 2,417.29 8,923.59 8,611.28 3,563.941,063.31 2,417.29 8,923.59 8,611.28 3,563.94

528.39 798.04 610.93 1,911.11 1,246.38534.92 1,619.25 8,312.66 6,700.17 2,317.56

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

2,226.83 2,842.49 1,843.94 2,124.43 1,912.842,214.45 2,819.23 1,823.51 2,103.24 1,809.562,214.45 2,819.23 1,823.51 2,103.24 1,805.83

0.00 0.00 0.00 0.00 3.730.00 0.00 0.00 0.00 0.00

12.38 23.26 20.43 21.20 103.29

27,666.77 26,596.56 25,898.65 26,204.13 24,837.2127,666.77 26,596.56 25,898.65 26,204.13 24,837.21

(500.05) (762.59) (898.96) 97.57 (404.04)62.37 0.00 3.66 26.66 24,830.73

28,104.45 27,359.14 26,793.95 26,079.90 410.510.00 0.00 0.00 0.00 0.00

297.68 112.41 90.01 89.14 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

28.38 0.00 0.00 13.92 0.196,851.44 4,299.27 6,003.42 3,629.01 7,503.186,823.07 4,303.44 6,013.91 3,617.92 7,514.17

0.00 9.27 10.49 0.00 10.991,300.33 5.11 317.24 2,988.40 599.811,291.25 0.00 317.24 2,991.24 600.00

960.12 254.48 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

1,459.38 1,388.96 963.94 669.04 480.47

1,459.38 1,388.96 963.94 669.04 480.470.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

178.47 199.40 213.32 264.24 187.14

178.47 199.40 213.32 264.24 187.140.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00


96


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Citibank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

29,155.77 27,606.70 23,729.37 26,374.69 25,862.46

28,992.38 26,741.49 22,862.89 25,345.86 24,898.24

15,695.94 14,628.80 10,112.07 12,710.97 12,378.821,073.65 0.00 815.90 1,112.92 999.761,236.89 1,254.33 1,928.26 1,924.91 1,879.75

24.23 22.62 22.92 26.69 26.200.00 0.00 0.00 0.00 0.00

10,961.68 10,835.74 9,983.73 9,570.37 9,613.71

163.39 865.21 866.48 1,028.84 964.22

40.09 590.91 587.92 616.08 586.480.00 0.00 0.00 0.00 0.00

121.09 270.55 274.90 407.64 373.652.21 3.75 3.66 5.11 4.090.00 0.00 0.00 0.00 0.00

9,844.08 8,522.06 8,387.36 8,455.33 8,279.27

9,831.94 8,100.65 7,842.22 7,876.58 7,731.46

6,816.84 5,588.83 4,662.25 4,731.51 4,707.22434.85 0.00 683.70 627.07 580.19

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

2,580.24 2,511.82 2,496.27 2,518.00 2,444.05

12.14 421.41 545.14 578.75 547.81

12.14 421.41 545.14 578.75 547.810.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

97


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Citibank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

32,540.32 33,502.14 31,730.09 27,651.04 29,530.28

19,668.87 18,234.52 15,912.65 11,669.39 14,299.09

1,215.41 1,476.56 1,308.78 3,006.45 3,064.49

157.35 56.42 167.09 132.14 280.75

24.28 436.18 337.93 524.38 630.80

130.81 112.40 219.81 378.49 291.37

970.69 2,475.77 3,157.79 2,201.89 1,685.34

10,372.92 10,710.29 10,626.04 9,738.31 9,278.44

259.40 462.28 486.63 877.38 868.59

44.91 44.76 13.09 51.47 50.22

48.67 29.27 33.42 43.44 125.45

16.99 264.37 202.76 357.96 392.34

130.81 112.40 190.13 414.99 291.37

18.02 11.48 47.24 9.52 9.22

0.00 0.00 0.00 0.00 0.00

98



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Citibank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

64,766.32 63,781.28 66,786.97 66,760.35 58,331.09

9,945.46 10,098.41 9,369.82 10,663.50 9,386.397,139.18 7,114.62 6,933.12 7,117.34 7,608.312,806.28 2,983.79 2,436.70 3,546.17 1,778.08

43,162.87 44,279.44 42,042.63 43,157.19 38,414.060.00 0.00 0.00 0.00 0.00

21,247.22 20,103.06 22,302.99 19,243.07 18,872.9521,915.65 24,176.37 19,739.64 23,914.12 19,541.11

0.00 0.00 0.00 0.00 0.00565.92 535.49 1,596.55 1,562.03 1,011.18

11,091.83 8,867.30 13,767.48 11,377.62 9,508.475,756.95 5,972.33 8,956.30 5,491.38 6,189.531,986.55 0.00 2,062.04 3,347.09 956.002,731.09 2,393.42 2,250.27 2,041.35 1,885.27

502.19 501.55 498.06 497.80 477.68115.06 (0.00) 0.81 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.24 0.65 10.49 0.00 10.99

0.24 0.65 10.49 0.00 10.99

10,150.82 9,921.03 11,707.07 11,109.13 9,699.39

2,185.14 2,264.15 1,748.59 1,817.49 1,659.201,779.09 1,806.91 1,285.91 1,345.55 1,284.30

406.05 457.24 462.69 471.94 374.90560.18 558.86 3,431.46 2,836.58 1,911.86

0.00 0.00 0.00 0.00 0.00560.18 558.86 3,431.46 2,836.58 1,911.86

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

7,405.50 7,098.01 6,527.02 6,455.07 6,128.335,359.57 5,482.64 4,999.00 5,045.62 4,818.38

0.00 0.00 0.00 0.00 0.001,993.53 1,615.38 1,528.03 1,409.06 1,309.57

0.00 0.00 0.00 0.00 0.0052.39 (0.00) (0.00) 0.39 0.38

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

99


Concepto








Margen financiero















Resultado Neto

Citibank

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

4,925.04 3,974.71 4,381.73 4,425.73 17,707.22 3,834.04

1,942.65 1,542.03 1,492.54 1,586.71 6,563.94 1,328.091,001.23 755.89 688.65 860.01 3,305.78 617.55

30.87 (30.87) 0.00 0.00 0.00 0.00230.30 207.55 196.65 180.49 814.99 191.08

1.54 1.22 1.04 0.94 4.74 1.090.00 0.00 0.00 0.00 0.00 0.00

678.72 608.24 606.20 545.28 2,438.43 518.362,825.79 2,056.00 1,886.38 1,525.54 8,293.71 1,446.36

178.73 196.96 222.20 417.30 1,015.18 422.2263.77 58.27 66.07 73.79 261.90 70.6613.83 21.73 53.95 56.81 146.31 64.36

(67.99) 67.99 0.00 0.00 0.00 0.00(31.73) 31.73 660.59 765.58 1,426.17 502.36

0.00 0.00 0.00 0.00 0.00 0.00

4,881.83 2,442.60 2,682.89 2,767.87 12,775.20 2,368.82

3,850.03 2,772.45 2,582.17 2,583.62 11,788.27 2,215.30249.70 215.15 420.99 381.09 1,266.93 135.92

3,229.78 1,970.25 2,002.30 1,808.71 9,011.04 1,596.3544.80 23.39 59.82 75.04 203.05 62.03

325.19 563.68 99.07 318.80 1,306.74 421.010.56 (0.02) (0.01) (0.01) 0.51 0.00

11.54 12.14 14.30 8.99 46.98 10.68364.12 246.33 151.52 176.85 938.82 141.37

0.08 2.50 0.14 (1.59) 1.13 1.48656.07 (590.83) (65.24) 0.00 0.00 0.00

(8.13) (49.64) (27.14) (59.12) (144.04) (48.02)

35.07 1,482.47 1,671.70 1,598.73 4,787.98 1,417.19

34.96 210.00 74.89 444.51 764.35 19.50

0.12 1,272.47 1,596.81 1,154.23 4,023.63 1,397.69

133.13 129.45 133.91 147.34 543.84 126.181,400.21 (191.66) (357.08) (264.57) 586.90 (50.46)

1,533.46 1,210.26 1,373.65 1,037.00 5,154.36 1,473.41

882.55 1,009.16 1,020.21 1,249.27 4,161.19 1,004.33411.09 467.10 403.43 460.79 1,742.42 417.76424.42 515.79 593.99 670.96 2,205.16 533.79

47.04 26.26 22.79 117.51 213.61 52.77

650.91 201.10 353.44 (212.27) 993.18 469.08

(253.41) 321.73 20.92 77.04 166.28 27.37

397.49 522.83 374.36 (135.23) 1,159.46 496.45

238.54 (18.30) (124.22) (96.01) 0.00 4.92(14.72) (237.87) (126.43) (207.84) (586.86) 13.26

0.00 0.00 0.00 0.00 0.00 0.00

144.24 303.26 372.16 (247.06) 572.59 504.80

42.94 30.27 38.13 18.85 130.19 45.55

187.18 333.53 410.29 (228.22) 702.78 550.35

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

187.18 333.53 410.29 (228.22) 702.78 550.35

100


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Citibank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

72,264.70 70,604.51 73,992.22 74,040.65 77,663.69

4,373.50 4,269.94 6,945.31 5,748.16 6,073.9131,264.16 31,968.74 36,756.19 37,028.98 30,313.99

28.38 0.00 0.00 13.92 0.19960.12 254.29 0.00 0.00 0.00

1,459.38 1,388.96 963.94 669.04 480.4728,992.38 26,741.49 22,862.89 25,345.86 24,898.24

163.39 865.21 866.48 1,028.84 964.22(259.40) (462.28) (486.63) (877.38) (868.59)1,575.59 1,347.85 1,863.37 1,410.10 11,678.312,283.88 2,247.21 2,225.46 2,274.63 2,257.46

872.38 1,138.05 1,450.55 832.92 791.98427.31 715.03 459.06 473.43 244.09

0.00 0.00 0.00 0.00 0.00123.65 130.02 85.61 92.15 829.41

0.00 0.00 0.00 0.00 0.00

68,106.83 65,891.82 69,142.97 69,162.69 71,647.56

9,934.95 10,087.04 9,369.53 10,663.23 9,372.5842,995.70 44,075.90 41,810.06 42,913.20 38,168.45

565.92 535.49 1,596.55 1,562.03 1,011.1811,091.83 8,867.30 13,766.90 11,377.62 9,508.47

9.07 9.27 10.49 0.00 10.990.22 0.00 0.00 0.00 0.00

178.47 199.40 213.32 264.24 187.15301.72 232.54 374.01 573.70 442.16

2,970.62 1,816.21 1,911.57 1,694.67 12,817.300.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

58.32 68.66 90.54 114.00 129.28

4,157.87 4,712.69 4,849.26 4,877.97 6,016.13

4,341.41 4,331.11 4,331.64 4,345.76 4,905.974,341.41 4,331.11 4,331.64 4,345.76 4,905.97

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(183.54) 381.58 517.62 532.21 1,110.16283.50 282.83 282.86 283.79 283.78492.30 472.70 556.67 558.48 700.88

(7.40) (46.12) (11.42) (16.77) (19.76)0.00 0.00 0.00 0.00 0.00

110.42 106.11 108.11 113.03 5.15(1,249.55) (954.65) (1,349.59) (1,109.10) (954.10)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 543.87

187.18 520.71 931.00 702.78 550.35

18.06 17.65 17.31 16.88 16.370.00 64.99 63.74 0.00 0.00

5,201.51 4,731.93 4,601.23 4,067.79 4,077.605,333.69 10,641.49 15,352.06 17,731.97 15,511.76

200,475.12 235,966.51 220,613.95 281,304.74 242,299.4915,826.94 19,432.19 13,377.97 18,956.53 16,474.35

0.00 0.00 0.00 0.00 0.0045,387.99 51,239.68 49,884.00 52,475.62 45,082.92

101


Concepto




Margen financiero
















Resultado Neto

Citibank

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

4,931.73 3,948.58 4,550.32 4,284.54 17,715.17 4,094.36

4,882.78 2,419.95 2,728.76 2,547.33 12,578.83 2,386.05

(13.02) (57.70) (32.09) (65.75) (168.56) (60.14)

35.94 1,470.93 1,789.46 1,671.46 4,967.79 1,648.18

34.96 210.00 74.89 444.51 764.35 19.50

0.98 1,260.93 1,714.57 1,226.95 4,203.43 1,628.67

133.13 129.45 133.91 147.34 543.84 126.18

1,405.36 (178.21) (356.88) (268.41) 601.86 (50.46)

1,539.47 1,212.17 1,491.60 1,105.88 5,349.13 1,704.39

871.80 998.18 1,139.18 1,291.19 4,300.34 1,134.70411.09 467.10 403.43 470.90 1,752.53 480.72410.52 501.75 674.07 716.09 2,302.43 576.64

50.19 29.32 61.68 104.20 245.39 77.33

667.67 214.00 352.43 (185.31) 1,048.78 569.69

(258.90) 329.33 18.75 70.01 159.19 46.31

408.77 543.33 371.17 (115.29) 1,207.98 616.01

238.54 (18.30) (124.54) (86.34) 9.35 4.92(14.40) (237.87) (131.86) (211.30) (595.44) (18.19)

0.00 0.00 0.00 0.00 0.00 0.00

155.83 323.76 363.85 (240.25) 603.19 592.90

31.34 9.78 46.43 12.04 99.59 (0.00)

187.18 333.53 410.29 (228.22) 702.78 592.90

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 (42.55)

187.18 333.53 410.29 (228.22) 702.78 550.35

102






















Citibank

4,345.63 0.00 0.00 283.78 558.47 (16.77) 0.00 0.00 (996.04) 702.75 0.00 4,877.81

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

560.34 0.00 0.00 0.00 (560.34) 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 702.75 0.00 0.00 0.00 0.00 (152.40) 0.00 550.35

0.00 0.00 0.00 0.00 0.00 (2.99) 0.00 0.00 0.00 0.00 0.00 (2.99)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 5.15 0.00 0.00 0.00 0.00 5.15

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 41.95 0.00 0.00 41.95

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 543.87 543.87

4,905.97 0.00 0.00 283.78 700.88 (19.76) 5.15 0.00 (954.10) 550.35 543.87 6,016.14

103



Concepto















Citibank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

187.18 520.71 931.00 702.78 550.35

50.19 91.63 140.29 220.88 77.3334.96 244.95 318.03 761.40 19.500.00 0.00 0.00 229.30 (11.15)

(1,266.31) (1,049.09) (682.60) (400.44) 135.4014.40 252.27 378.70 586.86 (18.19)

(31.34) (73.21) (111.34) (130.19) 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(2,865.34) (2,332.13) 889.31 (7,040.25) (8,453.46)(271.78) 1,202.20 5,034.28 2,429.53 483.19

0.00 0.00 0.00 0.00 0.00472.38 1,062.08 (4,166.69) 1,466.84 6,714.70

1,898.60 646.76 (313.32) 572.83 837.25

(1,777.07) 566.18 2,417.65 (600.46) 334.94

0.00 0.00 0.00 0.00 0.001,646.29 (555.83) 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 1,922.64 0.00

1,646.29 (555.83) 0.00 1,922.64 0.00

(35.21) (269.13) (1.61) (118.05) 712.960.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(35.21) (269.13) (1.61) (118.05) (9.02)

(165.99) (258.78) 2,416.04 1,204.12 325.92

4,539.49 4,528.72 4,529.27 4,544.03 5,747.99

4,373.50 4,269.94 6,945.31 5,748.16 6,073.91

104


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Santander Mexicano

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

78,271.85 66,353.92 73,193.10 72,581.60 68,640.73

10,525.81 7,682.95 11,107.56 11,521.35 8,066.6810,526.78 4,043.27 7,119.54 5,323.74 6,899.95

0.00 0.00 0.00 170.64 0.000.00 0.00 0.00 0.00 0.003.01 10.08 54.85 144.88 205.56

52,113.29 50,014.12 50,699.41 50,984.37 49,562.371,507.52 1,411.05 1,125.32 684.64 580.26

(1,758.87) (1,703.65) (1,618.55) (1,272.66) (1,136.85)939.66 949.77 928.81 760.83 491.94

1,126.97 1,107.30 1,089.26 1,087.51 1,234.77376.05 289.14 248.84 230.43 177.30

1,961.18 1,921.79 1,906.20 2,473.15 2,025.25805.11 492.79 409.51 361.28 302.67145.34 135.30 122.34 111.43 230.83

0.00 0.00 0.00 0.00 0.00

72,682.75 61,208.56 67,974.59 66,732.50 62,801.98

12,781.99 12,967.86 14,430.58 15,306.58 14,213.8941,387.32 33,762.76 34,853.61 37,411.84 38,159.85

8,319.25 7,552.97 5,819.65 4,927.78 2,500.988,092.79 4,695.75 10,414.59 6,291.69 5,254.58

294.41 404.01 385.91 570.58 619.050.00 0.00 0.00 0.00 0.00

98.26 95.02 42.65 48.33 37.500.00 0.00 0.00 0.00 0.00

1,627.64 1,640.74 1,874.16 1,978.78 1,809.740.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

81.08 89.46 153.45 196.92 206.39

5,589.09 5,145.36 5,218.51 5,849.10 5,838.75

11,018.54 10,848.58 10,787.94 11,656.48 11,593.668,538.05 8,484.33 8,440.03 9,380.78 9,380.78

162.39 162.39 162.39 162.39 162.392,318.11 2,201.87 2,185.52 2,113.31 2,050.49

(5,429.45) (5,703.23) (5,569.44) (5,807.38) (5,754.91)764.98 764.98 764.98 368.80 661.34

(7,135.42) (7,407.71) (7,407.62) (7,438.73) (7,122.03)

(569.21) (319.29) (289.90) (282.38) (230.30)0.00 0.00 0.00 0.00 0.00

104.06 103.81 100.79 101.23 (29.57)1,132.95 789.46 729.50 716.74 667.01

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

273.19 365.52 532.81 726.96 298.65

0.00 0.00 0.00 0.00 4.381,316.30 1,271.66 1,333.66 1,300.88 1,261.20

609.24 886.88 917.20 1,097.88 1,203.21415,498.39 55,416.66 52,365.40 51,801.20 48,157.44

72,367.26 87,871.61 96,487.36 103,770.65 128,944.580.00 0.00 0.00 0.00 0.00

1,387.15 2,147.62 2,513.18 2,796.80 2,245.6720,085.99 32,952.95 29,468.20 33,705.60 51,699.95

105



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Santander Mexicano

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

10,526.78 4,043.27 7,119.54 5,323.74 6,899.94

696.49 2,272.65 5,158.63 2,040.64 3,838.32652.17 2,222.92 5,115.74 2,000.61 3,680.27

36.10 0.03 0.00 8.50 681.41616.05 1,239.52 5,115.74 1,992.12 2,998.86

0.02 983.37 0.00 0.00 0.0044.32 49.73 42.89 40.03 158.05

8,160.14 1.34 1.32 1.30 1.228,160.14 1.34 1.32 1.30 1.228,160.14 1.34 1.32 1.30 1.22

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

1,670.15 1,769.28 1,959.59 3,281.80 3,060.401,670.15 1,769.28 1,959.59 3,281.80 3,060.401,503.07 1,602.21 1,792.78 1,831.73 1,590.22

58.42 60.90 0.00 1,277.95 1,238.97108.66 106.17 166.81 172.12 231.21

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.00 0.00 0.00 170.64 0.0021,743.46 28,767.01 37,118.83 34,639.75 45,824.6821,943.80 28,940.61 37,410.33 34,469.11 46,017.20

294.41 404.01 385.79 570.57 619.062,655.62 1,757.05 11,068.57 2,740.89 4,668.852,561.55 1,526.64 10,974.28 2,170.32 4,242.32

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

3.01 10.08 54.85 144.88 205.56

3.01 10.08 54.85 144.88 205.560.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

98.26 95.02 42.65 48.33 37.50

98.26 95.02 42.65 48.33 37.500.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00


106


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Santander Mexicano

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

53,620.80 51,425.18 51,824.73 51,669.01 50,142.63

52,113.29 50,014.12 50,699.41 50,984.37 49,562.37

12,084.86 9,463.02 9,945.18 10,555.88 9,834.750.00 103.37 103.68 269.42 218.47

423.24 422.33 436.06 421.42 398.862,714.66 2,587.84 2,589.55 2,530.84 2,421.015,594.04 7,725.90 8,880.99 9,336.64 9,178.78

31,296.48 29,711.67 28,743.96 27,870.16 27,510.50

1,507.52 1,411.05 1,125.32 684.64 580.26

436.40 368.45 352.42 311.12 265.450.00 0.00 0.00 0.00 0.00

76.98 109.31 83.11 48.77 38.23994.14 933.30 689.80 324.75 276.58

0.00 0.00 0.00 0.00 0.00

11,112.16 9,000.85 9,403.27 8,524.41 6,911.57

10,878.62 8,765.08 9,197.16 8,328.12 6,723.43

5,965.04 4,808.63 5,104.46 4,669.13 3,675.870.00 3.64 6.36 9.44 2.160.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

206.56 197.14 981.09 1,165.00 1,096.974,707.01 3,755.67 3,105.25 2,484.55 1,948.43

233.54 235.77 206.11 196.29 188.14

233.54 235.77 206.11 196.29 188.140.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

3,826.37 3,626.82 3,450.46 3,306.58 3,065.96

3,275.29 3,117.73 3,100.05 3,025.68 2,838.67

1,293.22 1,121.44 1,053.49 1,004.12 901.770.00 77.50 79.14 79.47 79.45

129.21 125.96 138.33 135.43 127.551,595.50 1,537.51 1,575.78 1,555.33 1,480.71

257.34 255.32 253.31 251.32 249.18

551.09 509.08 350.41 280.90 227.28

64.61 36.02 32.28 27.30 9.240.00 0.00 0.00 0.00 0.000.00 31.32 13.71 12.68 0.00

486.47 441.74 304.41 240.92 218.04

107


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Santander Mexicano

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

45,079.62 49,551.51 48,762.38 49,694.52 49,317.10

11,217.66 9,569.98 9,180.61 9,745.02 10,320.76

496.16 415.52 285.36 432.22 493.23

842.01 737.65 796.23 785.07 767.62

246.04 149.41 191.45 153.52 143.11

542.16 639.70 597.83 435.40 125.13

6.33 12.45 10.41 7.93 2.29

31,729.27 38,026.81 37,700.49 38,135.37 37,464.95

1,758.87 1,703.65 1,618.55 1,272.66 1,136.85

710.75 737.41 586.22 573.30 534.12

81.01 39.98 158.30 156.87 162.01

145.44 89.61 114.87 92.11 88.87

477.77 604.42 481.97 110.02 128.39

78.36 69.16 29.76 7.57 3.85

265.53 163.07 247.42 332.79 219.60

108



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Santander Mexicano

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

70,782.35 59,152.24 65,810.57 63,937.85 60,321.84

12,766.54 12,967.86 14,430.58 15,306.58 14,213.8910,797.06 11,246.90 12,441.78 13,510.16 12,246.58

1,969.48 1,720.96 1,988.79 1,796.42 1,967.3141,401.57 33,763.26 34,854.30 37,411.82 38,159.87

0.00 0.00 0.00 0.00 0.003,287.26 4,046.88 3,960.28 3,792.91 3,311.90

38,114.31 29,716.38 30,894.02 33,618.91 34,847.970.00 0.00 0.00 0.00 0.00

8,319.25 7,552.97 5,819.65 4,927.78 2,500.98

8,094.39 4,696.00 10,412.56 6,291.67 5,254.585,198.18 2,004.71 2,679.98 2,354.83 2,147.72

121.68 14.67 5,321.82 1,780.34 1,119.311,958.41 1,803.93 1,466.69 1,303.05 1,104.09

723.78 812.95 893.55 804.50 839.2592.34 59.74 50.51 48.95 44.20

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

200.60 172.16 293.49 0.00 192.52

200.60 172.16 293.49 0.00 192.52

12,506.05 10,382.51 12,157.81 11,813.05 10,075.23

3,029.43 3,297.24 4,619.31 4,941.82 4,411.253,029.43 3,297.24 4,619.30 4,941.82 4,411.25

0.00 0.00 0.01 0.00 0.003,280.66 4,039.31 3,933.61 3,791.88 3,189.86

0.00 0.00 0.00 0.00 0.003,280.66 4,039.31 3,933.61 3,791.88 3,189.86

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

6,195.96 3,045.97 3,604.88 3,079.35 2,474.114,941.65 1,902.75 2,566.80 2,343.28 1,838.44

0.28 0.14 0.04 0.04 0.031,171.09 1,060.61 972.86 658.42 551.87

12.06 30.27 14.80 28.67 39.5770.88 52.20 50.38 48.94 44.20

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

109


Concepto








Margen financiero















Resultado Neto

Santander Mexicano

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

6,699.93 4,558.29 4,697.43 4,648.99 20,604.63 4,317.47

3,372.63 2,583.97 2,632.29 2,423.01 11,011.90 1,992.89899.42 (260.83) 293.88 322.60 1,255.08 314.14117.74 81.56 95.20 106.41 400.91 33.98

27.49 22.24 23.64 22.06 95.43 17.5659.62 59.29 44.65 41.40 204.96 26.9128.39 1,021.98 496.87 467.22 2,014.47 388.56

2,239.97 1,659.74 1,678.04 1,463.31 7,041.06 1,211.732,986.81 1,539.59 1,496.52 1,657.32 7,680.24 1,823.70

170.96 165.36 171.91 143.48 651.71 192.6019.04 184.87 101.48 91.43 396.81 93.70

147.68 77.16 296.52 280.60 801.95 213.332.45 (0.09) 0.04 1.04 3.44 1.210.00 7.77 (1.37) 52.06 58.46 0.000.37 (0.33) 0.03 0.06 0.13 0.03

5,691.86 3,638.79 3,771.50 3,635.89 16,738.03 3,452.79

3,695.05 2,398.36 2,278.00 2,139.61 10,511.02 1,855.26241.94 198.42 218.55 243.19 902.10 186.46

2,417.69 1,578.55 1,385.59 1,375.41 6,757.24 1,172.25606.37 423.25 434.62 283.71 1,747.95 189.07392.77 198.56 239.61 237.64 1,068.59 307.48

36.27 (0.42) (0.36) (0.34) 35.15 0.003.01 5.82 3.30 7.58 19.71 0.62

1,971.91 1,261.53 1,483.84 1,488.62 6,205.91 1,567.550.94 0.30 0.07 0.07 1.39 0.08

20.95 (27.23) 6.28 0.00 0.00 29.28

(140.58) 145.07 4.48 (16.12) (7.15) (20.07)

867.49 1,064.57 930.41 996.98 3,859.45 844.61

141.44 125.57 180.46 30.87 478.35 60.23

726.05 939.00 749.94 966.11 3,381.11 784.38

137.90 172.06 152.08 132.80 594.84 142.08172.86 4.66 116.88 57.85 352.25 149.02

1,036.81 1,115.73 1,018.91 1,156.76 4,328.20 1,075.48

907.80 865.00 847.09 919.90 3,539.80 836.70386.07 357.19 346.06 359.33 1,448.65 350.15433.82 430.24 426.06 481.80 1,771.92 408.51

87.92 77.58 74.97 78.77 319.23 78.04

129.01 250.72 171.81 236.86 788.40 238.78

348.90 (61.05) (38.09) 60.67 310.43 61.34

477.91 189.68 133.72 297.53 1,098.83 300.12

4.70 5.60 5.20 18.31 33.82 11.16(28.55) (27.68) (74.15) (38.58) (168.96) (55.87)

0.00 0.00 0.00 0.00 0.00 0.00

444.65 156.39 54.37 240.64 896.06 233.10

14.56 11.35 11.63 19.70 57.24 77.20

459.21 167.74 66.00 260.34 953.30 310.30

(186.02) (75.41) 101.29 (66.19) (226.33) (11.65)

0.00 0.00 0.00 0.00 0.00 0.00

273.19 92.33 167.29 194.15 726.96 298.65

110


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Santander Mexicano

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

78,179.73 66,300.30 73,139.28 72,540.26 68,565.74

10,525.82 7,682.95 11,107.57 11,521.51 8,066.8510,708.38 4,323.28 7,401.51 5,644.37 7,189.60

0.00 0.00 0.00 170.64 0.000.00 0.00 0.00 0.00 0.003.01 10.08 54.85 144.88 205.56

52,113.29 50,014.12 50,699.41 50,984.37 49,562.371,507.52 1,411.05 1,125.32 684.64 580.26

(1,758.87) (1,703.65) (1,618.55) (1,272.66) (1,136.85)947.09 964.11 953.75 830.65 529.03

2,565.03 2,443.31 2,415.87 2,891.59 2,581.13376.11 289.20 248.89 230.47 177.33227.18 222.60 203.27 283.30 394.15805.11 492.79 409.51 288.93 160.20160.08 150.45 137.86 137.56 256.10

0.00 0.00 0.00 0.00 0.00

72,588.50 61,152.77 67,918.67 66,467.58 62,480.64

12,717.08 12,930.38 14,394.11 15,273.81 14,189.6241,336.27 33,708.04 34,796.69 37,018.23 37,733.49

8,319.25 7,552.97 5,819.65 4,927.78 2,500.988,092.79 4,695.75 10,414.59 6,291.69 5,254.58

294.41 404.01 385.91 570.58 619.050.00 0.00 0.00 0.00 0.00

98.26 95.02 42.65 48.33 37.500.00 0.00 0.00 0.00 0.00

1,649.34 1,677.15 1,911.62 2,140.24 1,939.040.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

81.08 89.46 153.45 196.92 206.39

5,591.23 5,147.53 5,220.61 6,072.68 6,085.10

11,018.54 10,848.58 10,787.94 11,656.48 11,593.668,538.05 8,484.33 8,440.03 9,380.78 9,380.78

162.39 162.39 162.39 162.39 162.392,318.11 2,201.87 2,185.52 2,113.31 2,050.49

(5,427.31) (5,701.05) (5,567.34) (5,583.80) (5,508.56)764.98 764.98 764.98 368.80 661.34

(7,135.42) (7,407.71) (7,407.62) (7,438.73) (7,122.03)

(569.21) (319.29) (289.90) (282.38) (230.30)0.00 0.00 0.00 0.00 0.00

104.06 103.81 100.79 101.23 (29.57)1,132.95 789.46 729.50 716.74 667.01

0.00 0.00 0.00 0.00 0.002.14 2.17 2.10 223.58 246.34

273.19 365.52 532.81 726.96 298.65

0.00 0.00 0.00 0.00 4.381,316.30 1,271.66 1,333.66 1,300.88 1,261.20

609.24 886.88 917.20 1,097.88 1,203.21415,498.39 55,416.66 52,365.40 51,801.20 48,157.44

72,367.26 87,871.61 96,487.36 113,258.72 139,505.300.00 0.00 0.00 0.00 0.00

1,387.15 2,147.62 2,513.18 2,796.80 2,245.6720,085.99 32,952.95 29,468.20 33,705.60 51,699.95

111


Concepto




Margen financiero
















Resultado Neto

Santander Mexicano

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

6,708.82 4,567.52 4,707.98 4,667.10 20,651.43 4,329.56

5,685.40 3,633.99 3,766.68 3,627.78 16,713.86 3,438.70

(141.08) 144.92 4.36 (18.88) (10.68) (20.17)

882.35 1,078.45 945.66 1,020.44 3,926.89 870.70

141.44 125.57 180.46 30.87 478.35 60.23

740.91 952.87 765.19 989.57 3,448.54 810.47

137.90 172.06 152.08 307.80 769.84 397.70

172.86 4.66 116.88 57.66 352.06 149.02

1,051.66 1,129.60 1,034.16 1,355.03 4,570.45 1,357.19

896.44 856.70 842.85 1,042.76 3,638.74 975.03386.07 357.19 346.65 403.31 1,493.21 399.71418.31 418.11 417.57 504.24 1,758.23 443.08

92.06 81.40 78.63 135.21 387.30 132.24

155.22 272.90 191.31 312.27 931.71 382.16

339.21 (66.50) (42.36) 57.37 287.71 49.71

494.43 206.40 148.95 369.64 1,219.42 431.87

8.45 18.95 10.05 24.08 61.54 15.38(28.55) (27.68) (74.15) (84.17) (214.55) (89.90)

0.00 0.00 0.00 0.00 0.00 0.00

457.42 159.78 64.75 261.39 943.34 326.60

1.94 8.04 1.25 (1.27) 9.96 7.60

459.36 167.82 66.00 260.12 953.30 334.20

(186.02) (75.41) 101.29 (66.19) (226.33) (11.65)

(0.15) (0.08) 0.00 (4.18) (4.40) (23.90)

273.34 92.41 167.29 193.93 726.96 298.65

112






















Santander Mexicano

9,380.77 162.39 2,048.85 369.35 (7,421.92) (282.38) 0.00 0.00 782.81 704.79 216.76 5,961.43

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 65.30 639.49 0.00 0.00 0.00 0.00 (704.79) 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 298.65 29.58 328.23

0.00 0.00 0.00 0.00 0.00 52.08 0.00 0.00 0.00 0.00 0.00 52.08

0.00 0.00 0.00 0.00 (7.37) 0.00 (29.57) 0.00 0.00 0.00 0.00 (36.94)

0.00 0.00 (48.83) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 (48.83)

0.00 0.00 0.00 0.00 (252.00) 0.00 0.00 0.00 0.00 0.00 0.00 (252.00)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 50.48 226.69 (80.23) 0.00 0.00 0.00 (115.81) 0.00 0.00 81.13

9,380.77 162.39 2,050.49 661.34 (7,122.03) (230.30) (29.57) 0.00 667.01 298.65 246.34 6,085.10

113



Concepto















Santander Mexicano

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

273.19 365.52 532.81 726.96 298.65

92.76 166.83 242.44 389.78 132.60141.44 267.01 447.48 478.35 61.50

0.00 198.16 273.26 365.71 0.00(16.55) 35.17 50.44 (46.41) (45.26)

32.37 73.32 152.32 214.55 89.90(1.94) (6.23) (7.44) (6.16) (7.52)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(2,918.86) (13,796.51) (7,258.61) (9,172.14) (3,832.84)4,043.98 6,058.82 5,393.69 5,172.65 1,361.35

0.00 0.00 0.00 0.00 0.00(259.23) 5,557.51 2,348.79 4,235.79 (1,311.36)

(64.56) (581.76) (140.00) 336.48 (80.39)

1,322.61 (1,662.15) 2,035.18 2,695.55 (3,333.39)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 975.39 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 975.39 0.00

(14.64) 172.60 169.88 (408.22) (130.74)13.33 21.70 85.69 129.16 9.470.00 0.00 0.00 0.00 0.00

(125.06) (178.78) (512.76) (1,199.94) 0.00

(126.37) 15.52 (257.19) (1,479.01) (121.27)

1,196.24 (1,646.63) 1,777.99 2,191.93 (3,454.66)

9,329.58 9,329.58 9,329.58 9,329.58 11,521.51

10,525.82 7,682.95 11,107.57 11,521.51 8,066.85

114


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Mercantil del Norte

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

44,288.30 45,334.16 46,485.97 62,738.61 99,506.50

7,345.41 7,151.45 8,023.64 9,514.96 9,667.064,414.53 3,972.36 4,858.42 19,377.40 26,069.15

27.88 41.18 11.39 30.56 27.890.00 0.00 0.00 0.00 0.004.76 2.12 2.44 2.02 9.62

24,695.28 25,982.42 24,826.14 25,246.19 57,293.462,837.88 2,909.26 2,667.66 2,419.36 3,437.86

(1,959.39) (1,976.00) (1,945.15) (1,817.45) (3,078.63)1,559.89 1,891.78 2,519.64 2,419.84 1,176.601,153.08 1,135.32 1,140.88 1,746.06 2,031.79

579.77 600.69 703.29 657.09 621.892,324.92 2,365.09 2,408.46 1,998.48 1,362.10

604.02 590.16 574.07 540.36 310.93700.27 668.32 695.07 603.75 545.28

0.00 0.00 0.00 0.00 31.50

39,419.34 40,568.00 41,624.28 57,887.71 94,287.55

13,152.21 14,077.29 15,181.44 16,951.48 19,132.9312,953.68 14,151.99 15,574.53 29,777.90 58,407.68

0.00 0.00 0.00 0.00 1,003.4610,676.34 9,761.40 8,307.10 8,831.22 13,757.69

1.48 12.51 0.00 15.70 3.740.00 0.00 0.00 0.00 0.000.00 0.00 0.14 0.06 0.020.00 0.00 0.00 0.00 0.00

1,524.69 1,509.92 1,527.62 1,410.51 1,700.011,004.13 984.01 961.74 829.28 189.35

0.00 0.00 0.00 0.00 0.00106.81 70.88 71.71 71.56 92.67

4,868.97 4,766.16 4,861.68 4,850.90 5,218.95

3,460.43 3,439.62 3,432.68 3,406.46 3,722.892,949.19 2,949.19 2,949.19 2,932.25 3,022.30

29.94 29.94 29.94 30.24 275.17481.31 460.49 453.56 443.97 425.42

1,408.53 1,326.55 1,429.00 1,444.44 1,496.062,012.11 2,123.12 2,131.72 2,126.97 2,126.971,280.23 1,046.44 1,036.81 1,044.91 1,800.15

(185.28) (254.27) (253.31) (438.95) (434.93)0.00 0.00 0.00 0.00 0.000.31 0.15 0.17 75.08 42.06

(1,988.36) (2,036.68) (2,078.81) (2,120.34) (2,157.18)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

289.54 447.78 592.40 756.77 118.98

89.92 3.32 3.22 3.19 3.025,038.53 5,187.17 5,113.15 5,881.84 5,645.77

847.32 592.45 409.73 491.96 507.428,434.46 10,611.82 11,243.35 11,176.95 17,980.36

17,610.91 20,204.96 18,299.48 33,598.68 69,621.8242,422.14 47,724.33 44,281.41 27,886.08 23,617.63

1,703.31 1,853.11 2,017.25 2,289.69 7,977.832,351.78 2,321.59 2,224.65 2,342.30 2,086.93

Nota: A partir de febrero del 2000, fusiona a Banpaís.

115



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Mercantil del Norte

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

4,414.53 3,972.36 4,858.42 19,377.40 26,069.15

0.00 0.24 706.66 15,272.01 21,908.320.00 0.24 706.66 15,272.01 21,792.890.00 0.24 0.00 4,331.86 90.220.00 0.00 706.66 10,940.15 21,702.670.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 115.43

346.38 338.34 330.82 295.39 47.09346.38 338.34 330.82 295.39 47.09

50.87 50.03 49.08 47.33 45.9639.51 35.70 35.19 0.46 0.66

256.01 252.61 246.55 247.59 0.470.00 0.00 0.00 0.00 0.00

3,966.03 3,536.03 3,727.59 3,704.99 4,113.743,966.03 3,536.03 3,727.59 3,704.99 4,113.74

954.19 794.42 978.18 1,211.88 1,689.370.00 0.00 0.00 0.00 0.00

3,011.84 2,741.61 2,749.41 2,493.11 2,424.370.00 0.00 0.00 0.00 0.00

102.12 97.75 93.36 105.02 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

27.89 41.18 11.39 30.56 27.8912,314.50 15,119.76 16,228.58 13,322.11 12,187.1712,286.62 15,078.58 16,217.49 13,291.55 12,159.29

1.48 12.51 0.00 15.70 3.741,226.43 2,920.68 3,174.69 2,712.96 2,656.761,224.95 2,908.16 3,174.99 2,697.26 2,653.02

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

4.76 2.12 2.44 2.02 9.62

4.76 2.12 2.44 2.02 9.620.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.14 0.06 0.02

0.00 0.00 0.14 0.06 0.020.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00



116


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Mercantil del Norte

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

27,533.16 28,891.69 27,493.80 27,665.55 60,731.31

24,695.28 25,982.42 24,826.14 25,246.19 57,293.46

13,096.91 13,880.53 12,498.91 11,417.16 14,907.401,283.21 1,307.85 1,572.21 2,952.92 2,580.09

490.84 397.55 423.67 425.37 549.141,186.69 1,109.59 1,082.62 1,150.54 2,760.062,605.79 2,600.40 2,629.03 2,582.40 2,724.886,031.84 6,686.51 6,619.70 6,717.80 33,771.89

2,837.88 2,909.26 2,667.66 2,419.36 3,437.86

1,827.90 1,933.79 1,780.44 1,619.17 1,617.560.00 0.00 0.00 0.00 0.07

87.64 88.12 88.56 86.36 473.52922.34 887.35 798.67 713.83 1,346.72

0.00 0.00 0.00 0.00 0.00

5,020.28 5,060.84 5,018.62 4,936.84 11,120.42

4,778.02 4,595.13 4,542.36 4,475.51 10,661.11

3,706.38 4,080.62 4,049.59 4,007.06 4,105.27785.69 292.23 308.75 308.34 360.41

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.37 0.00 0.00 0.00 0.00

285.58 222.27 184.02 160.10 6,195.42

242.26 465.72 476.26 461.33 459.32

242.26 465.72 476.26 461.33 459.320.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

3,785.69 3,583.31 3,406.46 3,305.26 4,478.87

3,022.80 2,841.31 2,792.53 2,762.86 3,791.95

936.69 822.65 799.37 747.77 1,239.580.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

701.11 659.21 659.19 711.75 1,275.031,384.99 1,359.45 1,333.97 1,303.35 1,277.34

762.89 742.01 613.93 542.39 686.92

449.82 436.33 351.19 336.53 357.420.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

313.07 305.68 262.74 205.86 329.50


117


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Mercantil del Norte

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

28,643.44 27,817.48 28,916.79 27,296.37 59,004.32

15,001.83 13,762.29 14,567.82 13,604.91 15,859.05

2,938.73 3,352.51 3,193.90 2,863.02 3,674.76

1,032.57 1,062.75 1,025.72 879.83 1,651.47

1,995.82 2,250.14 2,118.83 1,923.86 1,963.42

119.13 149.84 154.14 245.46 1,016.35

35.95 152.70 81.43 58.19 383.38

7,519.40 7,087.25 7,774.96 7,721.09 34,455.88

1,959.39 1,976.00 1,945.15 1,817.45 3,078.63

414.57 33.60 32.18 28.54 34.42

135.94 214.19 206.92 175.29 179.47

881.41 1,357.57 1,315.27 1,148.30 865.29

116.13 150.06 156.95 244.28 874.37

0.00 0.00 132.26 93.69 142.62

411.34 220.58 101.56 127.34 982.46


118



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Mercantil del Norte

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

37,786.36 38,974.69 40,025.39 56,389.88 92,491.11

13,152.21 14,077.29 15,181.44 16,951.48 19,132.938,869.61 9,320.15 10,137.24 11,463.25 12,496.714,282.60 4,757.14 5,044.20 5,488.23 6,636.22

12,953.68 14,152.00 15,574.53 29,777.90 58,407.6726.59 27.67 31.40 33.42 46.41

5,595.08 5,116.49 7,640.07 8,355.45 8,435.957,332.01 9,007.84 7,903.07 21,389.03 49,925.31

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 1,003.46

10,676.34 9,761.40 8,307.68 8,831.23 13,757.698,383.30 7,583.84 4,470.45 5,104.49 8,342.34

59.60 0.00 0.00 0.00 75.001,948.89 1,920.09 3,577.38 3,473.29 4,315.87

250.82 257.47 260.13 253.45 1,024.4733.73 0.00 (0.28) (0.00) 0.00

0.00 0.00 0.00 0.00 0.00

1,004.13 984.01 961.74 829.28 189.36

1,004.13 984.01 961.74 829.28 189.36

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

13,238.47 12,794.84 13,684.15 14,878.88 19,430.18

2,337.04 2,526.61 2,542.77 2,424.34 3,031.152,337.04 2,526.43 2,542.77 2,424.29 3,030.69

0.00 0.18 0.01 0.05 0.473,577.72 3,017.07 5,271.71 6,985.02 6,864.20

0.00 0.00 0.00 0.00 0.003,577.72 3,017.07 5,271.71 6,985.02 6,864.20

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

7,323.71 7,251.17 5,869.67 5,469.52 9,534.836,288.72 6,323.83 4,258.96 4,073.02 7,822.02

0.00 0.00 0.00 0.00 0.001,018.38 927.34 1,611.57 1,396.49 1,712.81

0.00 0.00 0.00 0.00 0.0016.62 (0.00) (0.85) (0.00) (0.00)

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00


119


Concepto








Margen financiero















Resultado Neto

Mercantil del Norte

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

3,381.95 2,613.04 3,061.50 2,947.89 12,004.38 4,169.05

1,578.73 1,206.16 1,200.96 1,079.61 5,065.46 2,032.56857.90 555.99 713.98 557.08 2,684.94 657.67

0.00 0.00 0.00 0.00 0.00 0.0041.85 34.64 38.22 35.96 150.67 43.5431.19 76.64 50.26 60.35 218.44 112.9223.08 63.02 (54.42) 9.50 41.18 10.10

624.72 475.87 452.93 416.72 1,970.23 1,208.331,307.29 913.69 1,243.58 1,207.41 4,671.96 1,644.35

175.40 175.70 228.62 215.34 795.07 243.4862.60 81.65 87.05 93.83 325.12 102.44

255.76 233.59 296.07 271.68 1,057.10 130.740.00 0.00 0.00 0.00 0.00 0.002.17 2.26 5.22 42.83 52.49 15.490.00 0.00 0.00 37.18 37.18 0.00

2,536.06 1,969.36 2,423.97 2,171.86 9,101.25 3,138.27

1,319.94 982.22 1,337.68 1,194.44 4,834.28 2,551.42338.45 250.94 277.80 249.91 1,117.10 378.20670.36 499.00 827.13 734.79 2,731.29 1,747.33

0.00 0.00 0.00 0.00 0.00 3.46287.10 232.83 233.20 210.30 963.43 422.43

24.03 (0.55) (0.45) (0.57) 22.45 0.0053.35 65.99 106.66 100.31 326.31 2.47

1,158.98 918.56 973.16 866.25 3,916.95 555.203.78 2.60 6.46 10.86 23.71 29.180.00 0.00 0.00 0.00 0.00 0.00

335.80 161.25 165.77 146.82 809.63 56.04

1,181.69 804.93 803.30 922.85 3,712.77 1,086.82

269.61 242.82 150.41 140.46 803.30 65.48

912.08 562.11 652.89 782.39 2,909.47 1,021.34

150.80 136.83 396.50 184.01 868.14 120.7271.40 70.72 47.58 19.64 209.33 53.13

1,134.28 769.66 1,096.96 986.04 3,986.94 1,195.18

615.65 648.64 893.76 751.71 2,909.75 991.92308.16 378.79 453.00 431.02 1,570.97 454.81254.65 223.72 386.60 256.20 1,121.16 484.72

52.84 46.13 54.16 64.50 217.63 52.39

518.63 121.02 203.20 234.33 1,077.18 203.27

(342.01) 4.74 (98.52) (105.32) (541.10) (89.35)

176.63 125.76 104.68 129.01 536.08 113.92

3.02 2.95 3.07 6.33 15.37 1.270.00 0.00 (4.67) (19.74) (24.41) (41.85)0.00 0.00 0.00 0.00 0.00 0.00

173.61 122.82 96.94 102.94 496.31 70.80

115.93 35.43 47.68 61.43 260.46 48.18

289.54 158.25 144.62 164.37 756.77 118.98

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

289.54 158.25 144.62 164.37 756.77 118.98


120


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Mercantil del Norte

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

44,695.90 45,741.09 46,908.39 63,195.96 100,003.92

7,349.37 7,156.15 8,033.68 9,517.68 9,678.794,414.53 3,972.36 4,858.42 19,377.40 26,069.15

27.88 41.18 11.39 30.56 27.890.00 0.00 0.00 0.00 0.004.76 2.12 2.44 2.02 9.62

24,695.28 25,982.42 24,826.14 25,246.19 57,293.462,837.88 2,909.26 2,667.66 2,419.36 3,437.86

(1,959.39) (1,976.00) (1,945.15) (1,817.45) (3,078.63)1,579.23 1,904.59 2,530.12 2,424.14 1,187.951,719.33 1,699.79 1,699.20 1,771.92 2,627.03

579.77 600.69 703.29 657.09 621.891,500.15 1,553.48 1,631.27 1,813.77 575.21

604.02 590.16 574.07 540.36 381.341,343.09 1,304.89 1,315.85 1,212.93 1,140.87

0.00 0.00 0.00 0.00 31.50

39,437.96 40,579.81 41,625.34 57,917.82 94,294.89

13,144.33 14,068.29 15,166.36 16,940.81 19,106.1812,942.99 14,138.34 15,553.76 29,777.90 58,383.60

0.00 0.00 0.00 0.00 1,003.4610,676.34 9,761.40 8,307.10 8,831.22 13,757.69

1.48 12.51 0.00 15.70 3.740.00 0.00 0.00 0.00 0.000.00 0.00 0.14 0.06 0.020.00 0.00 0.00 0.00 0.00

1,561.88 1,544.39 1,564.53 1,451.29 1,758.171,004.13 984.01 961.74 829.28 189.35

0.00 0.00 0.00 0.00 0.00106.81 70.88 71.71 71.56 92.67

5,257.93 5,161.28 5,283.05 5,278.14 5,709.03

3,460.43 3,439.62 3,432.68 3,406.46 3,722.892,949.19 2,949.19 2,949.19 2,932.25 3,022.30

29.94 29.94 29.94 30.24 275.17481.31 460.49 453.56 443.97 425.42

1,797.50 1,721.67 1,850.36 1,871.68 1,986.142,012.11 2,123.12 2,131.72 2,126.97 2,126.971,280.23 1,046.44 1,036.81 1,044.91 1,800.15

(185.28) (254.27) (253.31) (438.95) (434.93)0.00 0.00 0.00 0.00 0.000.31 0.15 0.17 75.08 42.06

(1,988.36) (2,036.68) (2,078.81) (2,120.34) (2,157.18)0.00 0.00 0.00 0.00 0.00

388.97 395.12 421.37 427.24 490.09289.54 447.78 592.40 756.77 118.98

89.92 3.32 3.22 3.19 3.025,038.53 5,187.17 5,113.15 5,881.84 5,645.77

847.32 592.45 409.73 491.96 507.428,434.46 10,611.82 11,243.35 11,176.95 17,980.36

17,610.91 20,204.96 18,299.48 33,598.68 69,621.8242,422.14 47,724.33 44,281.41 27,886.08 23,617.63

1,703.31 1,853.11 2,017.25 2,289.69 7,977.832,351.78 2,321.59 2,224.65 2,342.30 2,086.93


121


Concepto




Margen financiero
















Resultado Neto

Mercantil del Norte

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

3,382.00 2,613.00 3,061.27 2,948.95 12,005.21 4,169.55

2,535.18 1,968.67 2,423.11 2,173.94 9,100.90 3,137.03

335.40 161.22 165.56 149.09 811.26 55.70

1,182.22 805.55 803.71 924.10 3,715.58 1,088.22

269.61 242.82 150.41 140.46 803.30 65.48

912.60 562.73 653.30 783.64 2,912.28 1,022.73

245.12 209.63 525.18 259.55 1,239.48 258.86

74.19 74.35 51.72 21.60 221.86 60.96

1,231.92 846.71 1,230.20 1,064.79 4,373.62 1,342.55

688.95 719.16 972.55 828.82 3,209.47 1,074.20328.88 399.93 479.06 477.81 1,685.68 497.14288.29 254.34 420.14 280.71 1,243.49 507.25

71.78 64.89 73.34 70.29 280.30 69.82

542.97 127.55 257.65 235.98 1,164.15 268.35

(341.90) 5.45 (93.52) (112.62) (542.59) (89.37)

201.07 133.00 164.13 123.36 621.56 178.98

5.64 5.55 5.22 (0.07) 16.35 3.990.00 0.00 (4.67) (19.74) (24.41) (41.85)0.00 0.00 0.00 0.00 0.00 0.00

195.43 127.45 154.24 103.69 580.80 133.15

108.40 34.67 18.71 68.30 230.08 18.38

303.83 162.12 172.94 171.99 810.88 151.53

0.00 0.00 0.00 0.00 0.00 0.00

(14.29) (3.88) (28.32) (7.62) (54.11) (32.55)

289.54 158.25 144.62 164.37 756.77 118.98


122






















Mercantil del Norte

2,932.25 30.24 443.97 2,126.97 1,044.91 (438.95) 75.08 0.00 (2,024.45) 756.77 427.24 5,374.03

90.05 244.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 334.98

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 756.77 0.00 0.00 0.00 0.00 (756.77) 0.00 0.00

0.00 0.00 (5.00) 0.00 0.00 0.00 0.00 0.00 0.00 118.98 0.00 113.98

0.00 0.00 0.00 0.00 0.00 4.02 (75.08) 0.00 75.08 0.00 0.00 4.02

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 (1.53) 0.00 0.00 0.00 0.00 0.00 0.00 (1.53)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 (13.54) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 (13.54)

0.00 0.00 0.00 0.00 0.00 (95.89) 42.06 0.00 (111.92) 0.00 62.85 (102.90)

3,022.30 275.17 425.42 2,126.97 1,800.15 (530.82) 42.06 0.00 (2,061.29) 118.98 490.09 5,709.04

123



Concepto















Mercantil del Norte

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

289.54 447.78 592.40 756.77 118.98

71.78 136.66 210.01 280.30 69.82269.61 512.43 662.84 803.30 65.48115.16 52.29 345.12 141.75 726.63

0.00 (18.29) (4.18) 3.05 26.790.00 0.00 (4.67) (24.41) (41.85)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(1,446.74) (242.38) 816.81 17,339.54 36,700.991,376.79 (207.95) 1,008.67 568.77 (31,870.07)

0.00 0.00 0.00 0.00 0.00170.55 631.39 (251.69) (14,781.03) (6,735.46)

0.00 0.00 0.00 0.00 0.00

846.68 1,311.94 3,375.32 5,088.05 (938.68)

0.00 0.00 0.00 0.00 (639.92)0.00 0.00 0.00 0.00 0.00

(169.32) (210.26) (239.47) (381.52) (18.54)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 334.980.00 0.00 0.00 0.00 0.00

(169.32) (210.26) (239.47) (381.52) (323.49)

(204.24) (557.91) (826.99) (1,265.97) 344.30(2.44) (38.38) (32.87) (13.29) 0.00

0.00 0.00 0.00 0.00 0.00(932.14) (1,212.13) (2,110.33) (1,914.23) 0.00

(1,077.88) (1,695.42) (2,852.06) (2,938.74) 1,423.27

(400.52) (593.74) 283.79 1,767.79 161.10

7,749.89 7,749.89 7,749.89 7,749.89 9,517.68

7,349.37 7,156.15 8,033.68 9,517.68 9,678.79


124


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Inbursa

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

40,687.67 42,544.81 41,153.67 40,246.31 42,262.20

9,912.91 8,206.73 12,803.16 8,514.41 9,304.186,681.64 8,824.82 5,418.73 7,844.86 8,755.84

126.51 86.64 6.77 354.04 0.000.00 0.00 0.00 0.00 0.00

436.79 218.19 339.58 11.47 105.3921,974.00 21,720.76 18,918.91 20,423.78 21,753.07

245.00 608.30 651.76 656.41 656.26(1,087.83) (1,173.72) (1,151.01) (1,595.10) (1,679.39)

192.10 397.16 523.64 471.57 668.4346.90 45.32 44.78 45.63 41.05

726.84 1,806.82 1,785.54 1,758.28 721.321,389.88 1,762.41 1,759.38 1,703.43 1,881.40

0.00 0.00 0.00 0.00 0.0042.93 41.39 52.45 57.52 54.65

0.00 0.00 0.00 0.00 0.00

27,585.48 28,828.28 27,586.73 25,056.65 25,863.51

301.81 233.75 259.92 313.32 640.6717,746.16 19,537.85 18,574.73 15,173.61 8,710.71

2,031.01 1,949.47 1,919.18 1,877.82 1,801.426,240.28 5,254.54 5,146.50 5,231.15 9,757.20

0.00 0.00 0.00 0.00 0.060.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

502.91 598.91 412.95 1,110.92 1,323.82761.13 1,253.07 1,273.04 1,349.58 3,629.43

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.002.17 0.71 0.41 0.25 0.19

13,102.19 13,716.52 13,566.95 15,189.65 16,398.70

7,484.33 7,482.12 9,810.58 9,817.61 9,817.707,484.33 7,482.12 9,810.58 9,817.61 9,817.70

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

5,617.86 6,234.40 3,756.37 5,372.04 6,580.992,515.49 2,560.20 2,566.02 2,566.65 2,566.657,502.51 7,711.62 5,413.88 5,605.02 8,667.28

0.00 0.00 0.01 0.01 (0.00)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 6.15

(5,301.67) (5,552.08) (5,589.15) (5,866.45) (5,869.57)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

901.53 1,514.67 1,365.61 3,066.81 1,210.49

383.44 352.91 397.41 760.76 691.149,920.25 9,356.35 9,177.21 9,193.95 9,250.48

820.07 687.65 396.52 546.40 462.8382,656.49 88,614.96 87,751.49 95,808.12 99,291.72

169,576.76 198,299.04 168,872.66 261,581.35 307,543.10551.83 577.13 625.42 591.73 597.19

0.00 0.00 0.00 0.00 0.0014,530.93 10,675.77 (5,371.68) 17,523.48 9,677.64

125



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Inbursa

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

6,681.64 8,824.82 5,418.73 7,844.86 8,755.84

6,306.32 7,145.60 3,769.45 5,805.86 8,557.463,478.37 3,797.92 893.92 983.39 1,742.42

385.48 364.44 320.92 332.36 333.042,719.82 2,894.23 105.00 85.16 811.73

373.07 539.25 468.00 565.87 597.652,827.94 3,347.68 2,875.53 4,822.47 6,815.04

0.00 0.00 1.98 2.05 1.840.00 0.00 1.98 2.05 1.840.00 0.00 1.98 2.05 1.840.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

75.65 75.65 75.65 65.76 196.5475.65 75.65 75.65 65.76 196.54

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 3.26

75.65 75.65 75.65 65.76 193.280.00 0.00 0.00 0.00 0.00

299.67 1,603.56 1,571.66 1,971.20 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

126.51 86.64 6.77 354.04 0.008,738.00 9,209.49 33,032.30 13,573.84 10,203.528,611.56 9,122.85 33,025.54 13,220.86 10,203.52

0.00 0.00 0.00 0.00 0.06993.81 0.00 5,004.30 2,063.80 10,203.52993.88 0.00 5,004.30 2,064.86 10,203.45

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

436.79 218.19 339.58 11.47 105.39

436.79 218.19 339.58 11.47 105.390.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00


126


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Inbursa

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

22,219.00 22,329.06 19,570.67 21,080.19 22,409.33

21,974.00 21,720.76 18,918.91 20,423.78 21,753.07

21,460.04 21,150.46 18,396.95 19,656.93 20,872.2575.31 203.77 65.67 213.50 141.74

0.00 0.00 0.00 0.00 0.00371.68 305.39 395.74 493.43 680.79

66.97 61.13 60.54 59.91 58.290.00 0.00 0.00 0.00 0.00

245.00 608.30 651.76 656.41 656.26

216.38 600.58 644.62 651.83 652.110.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

28.62 7.72 7.14 4.57 4.160.00 0.00 0.00 0.00 0.00

14,952.54 13,803.40 11,806.29 12,030.93 9,454.41

14,911.87 13,373.70 11,326.85 11,584.17 9,011.74

14,870.55 13,343.33 11,294.98 11,528.23 8,946.9438.43 27.30 28.91 52.73 61.72

0.00 0.00 0.00 0.00 0.002.11 2.01 1.89 1.82 1.680.78 1.06 1.07 1.38 1.400.00 0.00 0.00 0.00 0.00

40.66 429.69 479.44 446.76 442.67

40.66 429.69 479.44 446.76 442.670.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

127


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Inbursa

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

25,354.87 23,027.47 23,029.76 19,948.31 21,848.81

16,731.49 13,601.47 13,823.44 13,475.76 15,097.47

4,121.27 3,426.63 3,844.47 334.87 508.77

3,925.78 4,463.26 4,440.97 5,226.34 5,381.20

482.60 1,440.15 849.62 768.57 720.87

31.49 30.53 11.00 83.72 82.41

62.25 0.00 0.00 0.00 0.00

0.00 65.43 60.26 59.05 58.09

1,087.83 1,173.72 1,151.01 1,595.10 1,679.39

42.74 37.74 34.14 4.88 6.68

711.66 604.53 830.30 1,040.50 1,163.48

299.11 512.92 231.93 457.20 421.76

30.52 13.32 10.90 84.99 80.58

2.45 5.22 4.42 6.89 6.88

1.35 0.00 39.31 0.63 0.00

128



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Inbursa

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

26,319.27 26,975.60 25,900.87 22,596.37 20,910.02

301.81 233.75 259.88 313.80 640.62286.10 232.05 239.53 313.32 277.09

15.71 1.70 20.35 0.48 363.5317,746.16 19,537.84 18,574.73 15,173.61 8,710.71

0.00 0.00 0.00 0.00 0.003,115.78 5,293.62 5,558.58 5,199.93 2,030.50

14,630.38 14,244.22 13,016.15 9,973.69 6,680.210.00 0.00 0.00 0.00 0.00

2,031.01 1,949.47 1,919.18 1,877.82 1,801.42

6,240.28 5,254.54 5,147.08 5,231.15 9,757.205,830.54 5,196.87 5,106.40 4,873.53 9,477.23

0.00 0.00 0.00 184.06 0.00409.15 57.66 40.18 0.00 279.97

0.00 0.00 0.00 0.00 0.000.58 (0.00) 0.50 173.55 (0.00)0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.06

0.00 0.00 0.00 0.00 0.06

8,165.80 10,079.20 10,206.08 9,564.33 10,977.35

43.01 27.78 31.98 50.55 46.2543.01 27.78 31.98 50.55 46.25

0.00 0.00 0.00 0.00 0.002,292.24 4,854.55 5,067.70 4,640.44 1,454.07

0.00 0.00 0.00 0.00 0.002,292.24 4,854.55 5,067.70 4,640.44 1,454.07

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

5,830.54 5,196.87 5,106.40 4,873.35 9,477.035,830.54 5,196.87 5,106.40 4,873.35 9,477.03

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

129


Concepto








Margen financiero















Resultado Neto

Inbursa

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

2,990.52 2,891.68 2,572.67 2,861.82 11,316.68 2,080.20

1,067.96 900.56 747.75 599.67 3,315.94 791.581,027.30 865.88 726.49 569.43 3,189.11 755.05

6.03 5.25 0.74 5.40 17.44 5.370.00 0.00 0.00 0.00 0.00 0.00

30.51 26.32 18.00 22.62 97.45 28.914.11 3.10 2.51 2.21 11.94 2.250.00 0.00 0.00 0.00 0.00 0.00

281.32 206.87 197.52 98.71 784.41 78.16287.24 293.99 273.05 303.21 1,157.49 245.38

34.87 15.43 17.81 21.36 89.47 15.31841.61 749.17 1,063.34 1,347.21 4,001.33 827.27

12.36 30.57 4.33 4.82 52.07 4.22465.16 695.10 268.87 486.84 1,915.97 118.27

0.00 0.00 0.00 0.00 0.00 0.00

2,430.43 1,996.68 2,358.10 1,957.54 8,742.74 1,552.27

1,554.13 1,172.28 1,148.79 838.90 4,714.09 698.978.42 5.96 5.11 4.94 24.43 5.49

1,202.91 866.60 849.10 582.57 3,501.17 434.10159.48 108.18 100.88 79.88 448.42 81.29183.32 191.54 193.70 171.51 740.07 178.09

0.00 0.00 0.00 0.00 0.00 0.0084.44 75.39 77.14 75.94 312.92 88.53

791.86 749.01 1,132.17 1,042.70 3,715.73 764.770.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(399.25) (185.80) (160.64) (213.66) (959.35) (246.16)

160.83 709.21 53.93 690.62 1,614.59 281.77

17.13 505.37 (353.26) 456.66 625.89 168.53

143.70 203.84 407.19 233.97 988.70 113.24

15.11 32.58 53.08 86.09 186.86 17.761,294.91 431.52 (279.01) 2,279.35 3,726.77 1,668.99

1,453.72 667.94 181.27 2,599.40 4,902.33 1,799.98

68.79 70.70 101.48 175.30 416.27 90.230.76 0.74 0.75 0.70 2.94 0.74

61.82 64.08 94.70 168.51 389.12 83.146.21 5.88 6.03 6.09 24.21 6.34

1,384.93 597.24 79.79 2,424.10 4,486.06 1,709.76

(80.16) 348.32 (360.53) (69.35) (161.72) (152.11)

1,304.77 945.56 (280.74) 2,354.75 4,324.34 1,557.65

121.28 274.26 62.91 176.95 635.39 298.11(336.84) (106.58) 175.68 (673.08) (940.81) (246.52)

0.00 0.00 0.00 0.00 0.00 0.00

846.65 564.73 (167.96) 1,504.73 2,748.14 1,013.02

54.88 48.41 18.90 196.48 318.67 197.47

901.53 613.14 (149.06) 1,701.20 3,066.81 1,210.49

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

901.53 613.14 (149.06) 1,701.20 3,066.81 1,210.49

130


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Inbursa

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

40,597.98 42,538.73 41,101.93 40,179.39 42,178.04

9,914.13 8,207.32 12,804.47 8,515.01 9,304.446,695.61 9,263.85 5,838.83 8,433.47 9,380.67

126.51 86.64 6.77 354.04 0.000.00 0.00 0.00 0.00 0.00

436.79 218.19 339.58 11.47 105.3921,974.00 21,690.13 18,887.11 20,423.78 21,753.07

245.00 608.30 651.76 656.41 656.26(1,087.83) (1,173.72) (1,151.01) (1,595.10) (1,679.39)

226.37 429.17 553.13 511.91 698.3080.29 161.49 158.70 157.68 150.95

726.84 1,806.82 1,785.54 1,758.28 721.321,170.58 1,153.71 1,130.55 852.23 982.41

0.00 0.00 0.00 0.00 0.0089.67 86.84 96.50 100.20 104.61

0.00 0.00 0.00 0.00 0.00

27,468.50 28,793.19 27,504.21 24,956.61 25,744.24

301.71 233.54 259.38 313.18 640.1717,655.76 19,414.07 18,391.22 14,889.86 8,412.45

2,031.01 1,949.47 1,919.18 1,877.82 1,801.426,240.28 5,254.54 5,146.50 5,231.15 9,757.20

0.00 0.00 0.00 0.00 0.060.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

456.84 669.72 492.77 1,253.72 1,475.33780.73 1,271.15 1,294.75 1,390.62 3,657.41

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.002.17 0.71 0.41 0.25 0.19

13,129.48 13,745.54 13,597.73 15,222.79 16,433.80

7,484.33 7,482.12 9,810.58 9,817.61 9,817.707,484.33 7,482.12 9,810.58 9,817.61 9,817.70

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

5,645.15 6,263.42 3,787.15 5,405.17 6,616.102,515.49 2,560.20 2,566.02 2,566.65 2,566.657,502.51 7,711.62 5,413.88 5,605.02 8,667.28

0.00 0.00 0.01 0.01 (0.00)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 6.15

(5,301.67) (5,552.08) (5,589.15) (5,866.45) (5,869.57)0.00 0.00 0.00 0.00 0.00

27.29 29.02 30.78 33.13 35.11901.53 1,514.67 1,365.61 3,066.81 1,210.49

383.44 352.91 397.41 760.76 691.149,920.25 9,356.35 9,177.21 9,193.95 9,250.48

820.07 687.65 396.52 546.40 462.8382,656.49 88,614.96 87,751.49 95,808.12 99,291.72

169,576.76 198,299.04 168,872.66 261,581.35 307,543.10551.83 577.13 625.42 591.73 597.19

0.00 0.00 0.00 0.00 0.0014,530.93 10,675.77 (5,371.68) 17,523.48 9,677.64

131


Concepto




Margen financiero
















Resultado Neto

Inbursa

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

2,990.52 2,875.32 2,563.08 2,852.70 11,281.62 2,071.42

2,423.49 1,990.73 2,349.72 1,947.00 8,710.93 1,539.08

(404.74) (218.81) (174.21) (230.87) (1,028.63) (279.98)

162.29 665.78 39.15 674.83 1,542.05 252.36

17.13 505.37 (353.26) 456.66 625.89 168.53

145.16 160.42 392.41 218.17 916.16 83.82

63.61 93.74 131.48 213.62 502.45 76.27

1,294.91 515.87 (289.58) 2,387.16 3,908.36 1,709.75

1,503.68 770.02 234.32 2,818.95 5,326.97 1,869.85

113.79 110.47 157.20 272.26 653.71 123.400.76 43.83 20.01 24.32 88.91 1.94

106.83 51.66 128.02 238.41 524.92 111.766.21 14.97 9.16 9.53 39.88 9.70

1,389.88 659.55 77.12 2,546.70 4,673.25 1,746.45

(79.16) 371.29 (347.82) (53.75) (109.44) (132.27)

1,310.72 1,030.84 (270.70) 2,492.95 4,563.82 1,614.18

121.28 274.26 62.91 176.95 635.39 298.11(336.84) (135.99) 180.25 (709.75) (1,002.33) (260.23)

0.00 0.00 0.00 0.00 0.00 0.00

852.60 620.60 (153.36) 1,606.26 2,926.09 1,055.84

50.16 (5.60) 6.37 97.69 148.62 156.71

902.76 615.00 (146.99) 1,703.95 3,074.71 1,212.55

0.00 0.00 0.00 0.00 0.00 0.00

(1.23) (1.86) (2.07) (2.74) (7.90) (2.06)

901.53 613.14 (149.06) 1,701.20 3,066.81 1,210.49

132






















Inbursa

9,518.15 0.00 0.00 2,488.36 5,434.05 0.00 0.00 0.00 (5,687.51) 2,973.27 32.12 14,758.45

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 2,961.70 0.00 0.00 0.00 0.00 (2,973.27) (32.12) (43.69)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,210.49 0.00 1,210.49

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

299.55 0.00 0.00 78.29 271.53 0.00 0.00 0.00 (175.92) 0.00 0.00 473.46

0.00 0.00 0.00 0.00 0.00 0.00 6.15 0.00 (6.15) 0.00 35.11 35.11

9,817.70 0.00 0.00 2,566.65 8,667.28 0.00 6.15 0.00 (5,869.57) 1,210.49 35.11 16,433.81

133



Concepto















Inbursa

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

901.53 1,514.67 1,365.61 3,066.81 1,210.49

7.85 14.39 20.42 45.13 6.5217.13 522.50 0.00 625.89 168.530.00 0.00 169.24 0.00 0.00

(571.76) (1,124.52) (685.05) (397.76) (772.10)326.61 424.07 397.38 438.37 260.23(54.88) (103.29) (122.19) (318.67) (197.47)

0.00 0.00 0.00 0.00 (3.12)0.00 0.00 0.00 584.41 0.00

(1,591.25) (1,012.33) (2,211.11) (5,622.23) (1,700.77)3,242.06 3,124.00 5,941.43 4,406.36 (1,329.14)

35.39 (1,045.74) (1,022.73) (995.29) 1,036.96245.52 (2,001.43) 1,324.92 (1,287.04) (687.01)400.83 688.37 577.90 711.12 2,075.92

2,959.04 1,000.68 5,755.81 1,257.12 69.04

0.00 0.00 0.00 0.00 0.00(86.29) 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 (303.40) (304.09) (548.88) 0.000.00 0.00 2,320.59 2,312.00 0.000.00 0.00 0.00 0.00 0.00

(86.29) (303.40) 2,016.50 1,763.11 0.00

41.26 51.72 (1,468.80) 344.00 2,931.200.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

504.08 972.13 0.00 (1,351.77) 0.00

545.33 1,023.86 (1,468.80) (1,007.77) 2,931.20

3,418.09 1,721.14 6,303.52 2,012.46 3,000.24

6,496.04 6,486.19 6,500.95 6,502.55 6,304.20

9,914.13 8,207.32 12,804.47 8,515.01 9,304.44

134


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Banpaís

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

34,822.22 34,246.81 37,846.99 39,520.57 n. a.

4,379.93 3,364.88 5,911.76 6,411.67 n. a.259.17 224.02 249.56 181.52 n. a.

2.05 0.40 1.35 4.02 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

28,807.12 29,134.27 30,185.79 31,384.77 n. a.1,815.29 1,792.65 1,524.36 1,292.91 n. a.

(1,823.96) (1,752.27) (1,549.85) (1,495.60) n. a.335.54 414.33 371.35 580.85 n. a.410.18 416.34 434.46 435.18 n. a.

0.19 0.24 0.99 3.61 n. a.614.25 624.10 701.07 693.91 n. a.

0.00 0.00 0.00 0.00 n. a.22.46 27.84 16.15 27.73 n. a.

0.00 0.00 0.00 0.00 n. a.

33,183.49 32,566.28 36,152.13 37,781.47 n. a.

2,976.06 3,392.99 4,154.98 4,149.08 n. a.21,413.30 19,935.12 18,234.92 19,932.18 n. a.

0.00 0.00 0.00 0.00 n. a.7,472.63 7,190.93 11,136.40 11,215.57 n. a.

1.97 0.39 1.35 3.86 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

132.95 129.90 136.91 152.11 n. a.779.69 1,502.07 2,058.16 2,125.26 n. a.378.72 378.58 379.39 189.42 n. a.

0.00 0.00 0.00 0.00 n. a.28.17 36.31 50.02 14.00 n. a.

1,638.73 1,680.52 1,694.86 1,739.09 n. a.

1,009.18 1,009.18 1,009.18 1,009.18 n. a.1,009.18 1,009.18 1,009.18 1,009.18 n. a.

0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

629.55 671.34 685.68 729.91 n. a.0.00 41.56 41.55 41.56 n. a.

472.15 430.60 430.60 430.60 n. a.

0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

18.72 32.40 37.28 24.89 n. a.11.23 4.74 (2.26) (11.42) n. a.

0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

127.45 162.05 178.50 244.28 n. a.

0.00 0.00 0.00 0.00 n. a.292.46 1,815.70 1,868.00 2,270.11 n. a.

33.80 33.24 26.74 24.06 n. a.27,198.21 26,372.29 25,678.02 6,344.03 n. a.21,915.54 22,327.64 22,466.75 27,335.01 n. a.

382.10 1,299.69 1,892.22 2,691.78 n. a.3,758.70 4,770.10 4,697.18 2,448.36 n. a.

220.73 0.00 0.00 0.00 n. a.n. d. No aplica, fusionado con Mercantil del Norte a partir de febrero del 2000

135



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Banpaís

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

259.17 224.02 249.56 181.52 n. a.

1.38 0.51 0.47 0.46 n. a.1.38 0.51 0.47 0.46 n. a.1.38 0.51 0.47 0.46 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

257.79 223.51 249.09 181.06 n. a.257.79 223.51 249.09 181.06 n. a.257.79 223.51 249.09 181.06 n. a.

0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

0.00 0.00 0.00 0.00 n. a.

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2.05 0.40 1.35 4.02 n. a.292.47 664.44 531.04 632.81 n. a.290.42 664.82 532.38 628.79 n. a.

1.97 0.39 1.35 3.86 n. a.292.44 664.43 531.03 632.65 n. a.290.47 664.83 532.38 628.79 n. a.

0.00 0.00 0.00 0.00 n. a.

0.00 0.00 0.00 0.00 n. a.

0.00 0.00 0.00 0.00 n. a.

0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

0.00 0.00 0.00 0.00 n. a.

0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.


n. d. No aplica, fusionado con Mercantil del Norte a partir de febrero del 2000

136


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Banpaís

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

30,622.41 30,926.92 31,710.15 32,677.67 n. a.

28,807.12 29,134.27 30,185.79 31,384.77 n. a.

1,250.51 1,337.89 1,463.30 2,266.89 n. a.165.55 87.01 154.93 188.31 n. a.116.81 117.62 115.61 107.69 n. a.

1,257.69 1,173.41 1,200.41 1,278.80 n. a.17.81 61.55 103.44 127.53 n. a.

25,998.75 26,356.78 27,148.10 27,415.56 n. a.

1,815.29 1,792.65 1,524.36 1,292.91 n. a.

129.31 165.09 113.00 105.69 n. a.0.00 0.00 0.00 0.00 n. a.

452.15 436.04 424.99 406.11 n. a.1,233.83 1,191.52 986.37 781.10 n. a.

0.00 0.00 0.00 0.00 n. a.

6,941.17 6,776.92 6,543.22 6,606.60 n. a.

6,920.26 6,759.38 6,522.96 6,590.37 n. a.

242.88 209.99 204.88 198.12 n. a.0.00 0.00 0.00 0.00 n. a.0.04 0.00 0.00 0.03 n. a.0.00 0.00 0.00 0.00 n. a.0.43 0.00 0.00 0.00 n. a.

6,676.91 6,549.40 6,318.08 6,392.23 n. a.

20.90 17.54 20.26 16.22 n. a.

20.90 17.54 20.26 16.22 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

1,599.89 1,494.85 1,439.86 1,382.64 n. a.

1,276.64 1,158.79 1,198.86 1,203.09 n. a.

789.94 694.80 670.03 627.56 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

486.70 464.00 528.83 575.53 n. a.0.00 0.00 0.00 0.00 n. a.

323.25 336.06 241.00 179.55 n. a.

15.34 65.59 40.86 39.89 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

307.91 270.47 200.14 139.66 n. a.


137


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Banpaís

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

29,356.38 29,953.15 30,391.21 30,997.23 n. a.

1,293.47 1,189.30 1,232.19 1,368.40 n. a.

897.13 928.79 645.20 673.73 n. a.

802.71 837.60 1,113.04 1,048.59 n. a.

356.27 315.28 354.11 366.97 n. a.

1,020.39 1,008.50 1,074.33 908.23 n. a.

319.45 253.77 65.27 49.68 n. a.

24,666.97 25,419.90 25,907.06 26,581.63 n. a.

1,823.96 1,752.27 1,549.85 1,495.60 n. a.

4.21 4.80 1.81 2.30 n. a.

68.72 67.48 125.96 97.95 n. a.

59.64 77.55 119.82 150.14 n. a.

883.85 862.45 921.23 806.59 n. a.

0.00 0.00 31.63 14.28 n. a.

807.54 740.00 349.40 424.35 n. a.


138



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Banpaís

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

32,240.71 30,898.00 33,907.63 35,486.25 n. a.

2,976.06 3,392.99 4,154.98 4,149.08 n. a.2,348.42 2,603.60 3,099.94 3,028.77 n. a.

627.64 789.39 1,055.04 1,120.31 n. a.21,413.30 19,935.12 18,234.92 19,932.18 n. a.

7.80 8.14 10.22 10.78 n. a.3,923.86 3,627.75 2,037.74 2,158.55 n. a.

17,481.63 16,299.23 16,186.97 17,762.85 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

7,472.63 7,190.93 11,136.98 11,215.57 n. a.4,728.25 3,491.13 9,037.28 9,147.92 n. a.

703.63 1,672.71 138.54 309.44 n. a.970.88 1,193.73 1,135.71 937.56 n. a.836.16 833.36 824.82 820.66 n. a.233.72 0.00 0.64 (0.00) n. a.

0.00 0.00 0.00 0.00 n. a.

378.72 378.58 379.39 189.42 n. a.

378.72 378.58 379.39 189.42 n. a.

0.00 0.39 1.35 0.00 n. a.

0.00 0.39 1.35 0.00 n. a.

9,857.95 8,962.93 11,365.25 11,399.55 n. a.

319.53 348.99 444.86 408.04 n. a.319.50 348.96 444.84 408.04 n. a.

0.03 0.03 0.02 0.00 n. a.3,575.25 3,067.97 1,358.66 1,525.19 n. a.

0.00 0.00 0.00 0.00 n. a.3,575.25 3,067.97 1,358.66 1,525.19 n. a.

0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

5,963.17 5,545.96 9,561.73 9,466.32 n. a.4,654.29 3,422.62 8,991.73 9,107.29 n. a.

703.63 1,672.71 138.54 0.00 n. a.564.18 450.63 431.44 359.04 n. a.

0.00 0.00 0.00 0.00 n. a.41.06 (0.00) 0.02 (0.00) n. a.

0.00 0.00 0.00 0.00 n. a.

0.00 0.00 0.00 0.00 n. a.

0.00 0.00 0.00 0.00 n. a.

0.00 0.00 0.00 0.00 n. a.

0.00 0.00 0.00 0.00 n. a.


139


Concepto








Margen financiero















Resultado Neto

Banpaís

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

2,567.15 2,045.68 2,013.77 2,217.75 8,844.35 n. a.

2,261.17 1,856.68 1,751.31 1,855.20 7,724.35 n. a.42.13 35.51 52.89 30.14 160.67 n. a.

0.00 0.00 0.00 0.00 0.00 n. a.14.89 11.32 11.29 10.29 47.79 n. a.80.90 49.31 69.98 65.52 265.72 n. a.

0.00 0.00 0.29 14.81 15.10 n. a.2,123.25 1,760.54 1,616.84 1,734.44 7,235.06 n. a.

128.76 52.84 69.72 110.08 361.40 n. a.87.92 89.74 134.18 151.06 462.90 n. a.17.06 5.65 15.31 14.29 52.31 n. a.72.24 40.78 43.25 87.12 243.39 n. a.

0.00 0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 0.00 n. a.

1,868.07 1,390.97 1,405.13 1,745.18 6,409.35 n. a.

1,734.04 1,351.93 1,268.39 1,573.71 5,928.07 n. a.350.11 278.46 234.18 539.72 1,402.48 n. a.

1,102.95 831.33 803.52 742.29 3,480.09 n. a.0.00 0.00 0.00 (0.00) 0.00 n. a.

280.78 201.88 270.95 291.70 1,045.31 n. a.0.20 40.26 (40.27) (0.00) 0.19 n. a.3.34 1.21 2.14 1.37 8.06 n. a.

114.13 39.85 135.77 169.15 458.90 n. a.4.54 (2.96) 0.03 1.77 3.38 n. a.

12.02 0.94 (1.20) (0.82) 10.94 n. a.

71.75 27.19 (21.47) (27.79) 49.68 n. a.

770.83 681.90 587.16 444.78 2,484.68 n. a.

(1.18) 8.21 25.08 (5.40) 26.71 n. a.

772.02 673.69 562.09 450.18 2,457.97 n. a.

69.44 30.75 192.36 79.05 371.60 n. a.15.46 10.09 8.16 10.02 43.73 n. a.

856.92 714.52 762.61 539.25 2,873.30 n. a.

647.50 591.02 752.63 587.48 2,578.63 n. a.191.16 129.11 142.46 129.62 592.35 n. a.442.56 451.73 597.56 445.25 1,937.10 n. a.

13.78 10.18 12.61 12.61 49.18 n. a.

209.42 123.51 9.98 (48.23) 294.67 n. a.

(86.41) (88.23) 19.80 128.00 (26.85) n. a.

123.01 35.27 29.78 79.77 267.82 n. a.

1.40 2.74 1.35 3.27 8.76 n. a.0.00 0.00 (9.52) (18.65) (28.17) n. a.0.00 0.00 0.00 0.00 0.00 n. a.

121.61 32.53 18.91 57.84 230.89 n. a.

5.84 2.07 (2.46) 7.94 13.39 n. a.

127.45 34.61 16.45 65.78 244.28 n. a.

0.00 0.00 0.00 0.00 0.00 n. a.

0.00 0.00 0.00 0.00 0.00 n. a.

127.45 34.61 16.45 65.78 244.28 n. a.


140


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Banpaís

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

34,908.78 34,334.11 37,843.78 39,497.38 n. a.

4,380.39 3,365.15 5,911.83 6,411.58 n. a.259.17 224.02 249.56 181.52 n. a.

2.05 0.40 1.35 4.02 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

28,807.12 29,134.27 30,185.79 31,384.77 n. a.1,815.29 1,792.65 1,524.36 1,292.91 n. a.

(1,823.96) (1,752.27) (1,549.85) (1,495.60) n. a.349.99 429.64 372.29 586.32 n. a.

1,003.68 1,007.62 1,023.80 1,007.24 n. a.0.19 0.24 0.99 3.61 n. a.

92.40 104.55 107.43 93.29 n. a.0.00 0.00 0.00 0.00 n. a.

22.46 27.84 16.23 27.73 n. a.

0.00 0.00 0.00 0.00 n. a.

33,269.97 32,653.51 36,148.81 37,758.29 n. a.

2,963.80 3,378.60 4,143.70 4,136.48 n. a.21,409.47 19,933.43 18,226.13 19,908.17 n. a.

0.00 0.00 0.00 0.00 n. a.7,538.70 7,255.12 11,136.40 11,215.57 n. a.

1.97 0.39 1.35 3.86 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

132.95 129.90 136.91 152.11 n. a.816.18 1,541.18 2,074.92 2,138.69 n. a.378.72 378.58 379.39 189.42 n. a.

0.00 0.00 0.00 0.00 n. a.28.17 36.31 50.02 14.00 n. a.

1,638.82 1,680.61 1,694.97 1,739.10 n. a.

1,009.18 1,009.18 1,009.18 1,009.18 n. a.1,009.18 1,009.18 1,009.18 1,009.18 n. a.

0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

629.63 671.42 685.78 729.91 n. a.0.00 41.56 41.55 41.56 n. a.

472.15 430.60 430.60 430.60 n. a.

0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

18.72 32.40 37.28 24.89 n. a.11.23 4.74 (2.26) (11.42) n. a.

0.00 0.00 0.00 0.00 n. a.0.08 0.09 0.11 0.00 n. a.

127.45 162.05 178.50 244.28 n. a.

0.00 0.00 0.00 0.00 n. a.292.46 1,815.70 1,868.00 2,270.11 n. a.

33.80 33.24 26.74 24.06 n. a.27,198.21 26,372.29 25,678.02 6,344.03 n. a.21,915.54 22,327.64 22,466.75 27,335.01 n. a.

382.10 1,299.69 1,892.22 2,691.78 n. a.3,758.70 4,770.10 4,697.18 2,448.36 n. a.

220.73 0.00 0.00 0.00 n. a.n. d. No aplica, fusionado con Mercantil del Norte a partir de febrero del 2000

141


Concepto




Margen financiero
















Resultado Neto

Banpaís

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

2,567.47 2,045.36 2,013.77 2,217.75 8,844.35 n. a.

1,870.91 1,393.92 1,409.23 1,744.23 6,418.29 n. a.

75.84 28.87 (21.33) (28.21) 55.18 n. a.

772.41 680.30 583.22 445.31 2,481.23 n. a.

(1.18) 8.21 25.08 (5.40) 26.71 n. a.

773.59 672.09 558.14 450.71 2,454.52 n. a.

72.56 33.57 195.43 82.03 383.60 n. a.

15.46 10.09 8.16 10.02 43.73 n. a.

861.61 715.75 761.73 542.76 2,881.85 n. a.

644.14 590.40 751.23 586.04 2,571.81 n. a.191.92 129.88 143.33 129.59 594.72 n. a.436.08 448.06 592.93 442.53 1,919.60 n. a.

16.14 12.47 14.97 13.91 57.49 n. a.

217.47 125.35 10.50 (43.28) 310.04 n. a.

(86.45) (88.34) 18.86 135.13 (20.80) n. a.

131.03 37.01 29.36 91.85 289.24 n. a.

3.58 4.85 3.41 7.41 19.24 n. a.0.00 0.00 (9.52) (18.65) (28.17) n. a.0.00 0.00 0.00 0.00 0.00 n. a.

127.45 32.16 16.43 65.78 241.83 n. a.

0.00 2.44 0.02 (0.00) 2.46 n. a.

127.45 34.61 16.45 65.78 244.28 n. a.

0.00 0.00 0.00 0.00 0.00 n. a.

(0.00) 0.00 0.00 0.00 0.00 n. a.

127.45 34.61 16.45 65.78 244.28 n. a.


142






















Banpaís

NO A

PLIC

A


143



Concepto















Banpaís

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

127.45 162.05 178.50 244.28 n. a.

18.12 28.60 43.58 57.49 n. a.(1.18) 7.03 32.11 26.71 n. a.

420.22 206.31 358.69 134.89 n. a.(0.66) (1.23) (1.22) (0.01) n. a.

0.00 0.00 9.52 28.17 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

1,007.24 (337.58) 2,601.50 4,355.48 n. a.265.55 (118.86) (1,129.60) (2,145.97) n. a.

0.00 0.00 0.00 0.00 n. a.42.82 78.61 53.07 119.74 n. a.0.00 0.00 0.00 0.00 n. a.

1,879.56 24.92 2,146.15 2,820.80 n. a.

0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.2.98 2.84 3.66 (186.32) n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.0.00 0.00 0.00 0.00 n. a.

2.98 2.84 3.66 (186.32) n. a.

(46.39) (65.83) (102.70) (110.20) n. a.6.18 11.26 22.47 (17.01) n. a.0.00 0.00 0.00 0.00 n. a.

(312.72) 546.55 985.24 1,058.78 n. a.

(347.80) 491.74 916.37 931.44 n. a.

1,534.74 519.50 3,066.18 3,565.93 n. a.

2,845.65 2,845.65 2,845.65 2,845.65 n. a.

4,380.39 3,365.15 5,911.83 6,411.58 n. a.


144


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Centro

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

25,249.23 24,085.08 23,476.94 22,986.39 23,407.92

2,223.54 2,378.65 2,308.92 2,507.18 2,172.97958.19 472.40 454.37 505.66 565.53

0.43 0.02 0.02 0.15 0.570.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

22,277.69 21,472.34 20,665.26 19,046.34 19,639.46988.99 930.58 671.31 961.23 844.88

(1,870.29) (1,904.22) (1,377.93) (1,391.15) (1,304.86)165.54 234.61 198.96 148.35 335.94231.79 223.61 222.80 220.50 407.78

8.24 6.35 71.26 724.04 711.11236.29 238.61 240.44 240.64 16.92

0.00 0.00 0.00 0.00 0.0028.81 32.12 21.53 23.45 17.64

0.00 0.00 0.00 0.00 0.00

23,774.60 22,553.41 21,889.34 21,341.59 21,482.26

2,105.92 2,480.02 3,007.88 2,619.18 2,225.2814,525.25 13,671.06 11,436.37 11,521.06 15,343.25

3,927.08 3,291.97 3,187.16 3,118.58 0.002,681.24 2,625.64 3,537.74 3,444.99 3,598.42

0.41 0.02 0.02 0.13 0.560.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

528.43 473.73 709.31 626.65 305.220.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.006.26 10.97 10.87 11.00 9.54

1,474.63 1,531.67 1,587.60 1,644.81 1,925.66

825.98 825.99 825.99 1,061.24 1,061.25825.98 825.99 825.99 1,061.24 1,061.25

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

648.65 705.68 761.61 583.56 864.42237.89 261.40 261.40 261.40 262.92253.53 242.79 241.19 0.00 307.97

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.58 0.56 0.55 3.00 2.65

92.53 78.59 78.77 79.48 12.470.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

64.11 122.35 179.71 239.68 278.42

0.00 0.00 0.00 0.00 0.001,821.13 1,779.35 1,841.41 2,213.96 2,188.22

14.44 17.73 14.85 24.51 20.4817,656.39 16,941.18 17,258.76 16,940.14 16,037.0825,764.83 24,562.09 23,333.80 22,942.57 25,810.15

318.91 245.68 16.64 61.21 239.392,585.74 2,945.94 3,156.70 3,322.82 537.56

0.00 0.00 0.00 0.00 0.00

145



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Centro

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

958.19 472.40 454.37 505.66 565.53

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

958.19 472.40 454.37 505.66 565.53958.19 472.40 454.37 505.66 565.53958.19 472.40 454.37 505.66 565.53

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.43 0.02 0.02 0.15 0.57117.07 13.41 16.47 41.95 121.44116.64 13.39 16.49 41.81 120.87

0.41 0.02 0.02 0.13 0.55117.05 13.41 16.47 41.94 121.43116.64 13.39 16.49 41.81 120.88

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.04 0.04 0.04 0.04 0.04

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00


146


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Centro

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

23,266.69 22,402.92 21,336.57 20,007.57 20,484.33

22,277.69 21,472.34 20,665.26 19,046.34 19,639.46

374.61 489.61 596.41 630.40 504.112.63 2.50 2.30 2.36 18.771.23 0.72 1.33 2.04 7.94

1,207.03 1,161.65 1,144.12 1,173.45 1,280.66228.05 268.71 301.36 313.78 333.28

20,464.14 19,549.14 18,619.74 16,924.32 17,494.70

988.99 930.58 671.31 961.23 844.88

183.25 185.10 39.13 439.04 406.530.00 0.00 0.00 0.00 0.00

129.00 126.13 113.23 110.13 105.82676.74 619.35 518.95 412.05 332.53

0.00 0.00 0.00 0.00 0.00

2,507.28 2,390.20 1,905.74 2,154.32 2,186.06

2,504.13 2,388.09 1,903.50 2,086.90 2,133.24

23.81 55.57 82.37 54.84 45.550.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

2,480.32 2,332.52 1,821.13 2,032.06 2,087.69

3.15 2.11 2.24 67.42 52.82

3.15 2.11 2.24 67.42 52.820.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

893.03 830.08 672.24 644.88 709.56

425.33 397.83 427.69 478.10 466.60

125.44 114.67 131.78 123.03 108.450.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

299.89 283.15 295.92 355.06 358.150.00 0.00 0.00 0.00 0.00

467.70 432.26 244.54 166.78 242.96

126.11 134.19 16.53 23.28 120.780.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

341.59 298.07 228.01 143.50 122.18

147


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Centro

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

23,528.83 22,767.62 22,001.99 20,844.47 19,439.87

1,315.86 1,245.95 1,351.49 1,395.48 1,464.01

51.04 48.98 51.24 49.72 50.12

30.02 19.07 16.02 38.56 24.65

342.05 355.91 351.70 223.53 545.63

845.28 872.54 792.45 675.99 636.28

0.36 7.52 4.77 5.22 6.89

20,944.22 20,217.65 19,434.32 18,455.97 16,712.29

1,870.29 1,904.22 1,377.93 1,391.15 1,304.86

0.49 0.45 0.47 0.46 0.47

2.00 1.55 1.72 6.39 4.08

26.37 72.26 68.76 51.42 244.25

493.41 502.93 488.62 448.22 460.93

0.29 0.00 1.09 0.00 6.93

1,347.73 1,327.04 817.26 884.66 588.20

148



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Centro

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

23,239.90 22,068.70 21,169.75 20,703.94 21,167.50

2,105.93 2,480.02 3,007.88 2,619.18 2,225.281,510.86 1,770.86 2,253.24 1,747.75 1,418.04

595.06 709.16 754.64 871.43 807.2514,525.25 13,671.06 11,436.37 11,521.06 15,343.25

1.53 1.52 2.78 3.31 4.202,515.72 2,564.66 1,353.08 1,255.65 1,561.48

12,008.00 11,104.88 10,080.50 10,262.10 13,777.560.00 0.00 0.00 0.00 0.00

3,927.08 3,291.97 3,187.16 3,118.58 0.00

2,681.24 2,625.64 3,538.32 3,444.99 3,598.42875.43 852.46 1,877.56 1,862.07 2,110.46

58.49 0.00 0.00 0.00 0.00911.80 957.71 860.77 796.35 722.18820.69 815.46 798.38 786.57 765.78

14.83 (0.00) 1.60 (0.00) 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.41 0.02 0.02 0.13 0.55

0.41 0.02 0.02 0.13 0.55

3,330.14 3,347.67 3,187.50 3,205.06 3,405.24

50.80 52.90 50.78 47.59 46.3050.68 52.78 50.66 47.59 46.30

0.12 0.12 0.12 0.00 0.001,884.33 1,918.86 813.87 872.60 856.42

0.00 0.00 0.00 0.00 0.001,884.33 1,918.86 813.87 872.60 856.42

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

1,395.01 1,375.91 2,322.85 2,284.87 2,502.52841.95 820.16 1,877.54 1,862.04 2,110.46

0.00 0.00 0.00 0.00 0.00551.00 555.74 445.19 422.83 392.06

0.00 0.00 0.00 0.00 0.002.07 (0.00) 0.12 (0.00) (0.00)0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

149


Concepto








Margen financiero















Resultado Neto

Centro

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

1,921.64 1,430.82 1,410.09 1,176.26 5,938.80 1,204.77

1,736.96 1,300.16 1,293.93 1,066.38 5,397.43 925.9916.69 10.70 18.82 16.10 62.31 41.43

0.00 0.00 0.00 0.00 0.00 0.000.65 0.64 0.68 0.79 2.76 1.21

65.30 63.81 84.00 84.02 297.13 69.099.84 8.80 7.94 6.69 33.27 4.31

1,644.49 1,216.22 1,182.48 958.77 5,001.96 809.95102.46 44.86 27.39 21.61 196.33 28.64

63.46 63.61 63.93 56.62 247.62 55.696.54 7.16 8.03 8.84 30.57 8.60

12.21 14.89 16.32 22.34 65.77 5.740.00 0.00 0.00 0.00 0.00 1.020.00 0.12 0.49 0.48 1.09 0.000.00 0.00 0.00 0.00 0.00 179.10

1,592.22 1,106.26 1,024.74 859.03 4,582.26 726.29

1,566.41 1,062.33 970.61 768.05 4,367.40 714.48222.58 183.73 212.06 149.74 768.11 72.76657.36 625.54 522.78 421.50 2,227.17 547.13568.73 170.25 160.65 127.46 1,027.09 17.59117.74 82.81 75.12 69.36 345.02 77.00

0.00 0.00 0.00 0.00 0.00 0.000.26 0.71 0.49 2.69 4.15 1.12

25.04 41.26 52.67 87.26 206.23 10.180.36 2.11 0.97 1.03 4.48 0.000.15 (0.15) 0.00 0.00 0.00 0.51

11.44 (17.85) (10.16) (10.60) (27.16) (9.66)

340.86 306.70 375.19 306.64 1,329.38 468.82

(0.28) 12.23 19.64 18.91 50.51 195.24

341.14 294.47 355.54 287.73 1,278.88 273.59

35.37 19.86 25.48 21.38 102.08 202.718.32 7.51 6.17 5.21 27.21 7.42

384.82 321.84 387.19 314.32 1,408.17 483.72

263.36 264.83 321.29 299.90 1,149.38 240.2570.76 68.44 75.20 76.84 291.24 74.71

185.14 188.93 238.31 213.43 825.81 154.897.46 7.46 7.79 9.63 32.33 10.65

121.46 57.01 65.90 14.42 258.79 243.47

(57.13) (0.87) (8.35) 49.20 (17.16) 36.33

64.33 56.14 57.55 63.62 241.63 279.80

1.34 1.31 1.09 0.53 4.28 1.330.00 0.00 0.00 (0.06) (0.06) 0.000.00 0.00 0.00 0.00 0.00 0.00

62.99 54.82 56.46 63.02 237.29 278.47

1.13 3.42 0.90 (3.05) 2.39 (0.05)

64.11 58.24 57.36 59.97 239.68 278.42

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

64.11 58.24 57.36 59.97 239.68 278.42

150


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Centro

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

25,265.96 24,099.99 23,496.30 23,000.17 23,408.04

2,249.56 2,410.16 2,347.61 2,545.26 2,173.78958.19 472.40 454.37 505.66 565.53

0.43 0.02 0.02 0.15 0.570.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

22,277.69 21,472.34 20,665.26 19,046.34 19,639.46988.99 930.58 671.31 961.23 844.88

(1,870.29) (1,904.22) (1,377.93) (1,391.15) (1,304.86)167.54 235.91 199.41 149.16 336.05436.40 424.77 424.63 415.26 407.78

8.24 6.35 71.26 724.04 711.1111.73 11.44 11.22 13.61 16.11

0.00 0.00 0.00 0.00 0.0037.48 40.22 29.14 30.61 17.64

0.00 0.00 0.00 0.00 0.00

23,791.33 22,568.32 21,908.71 21,355.37 21,482.38

2,105.89 2,479.90 3,007.74 2,619.00 2,225.2814,525.25 13,671.06 11,436.37 11,521.06 15,343.25

3,927.08 3,291.97 3,187.16 3,118.58 0.002,681.24 2,625.64 3,537.74 3,444.99 3,598.42

0.41 0.02 0.02 0.13 0.560.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

545.20 488.75 728.81 640.61 305.340.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.006.26 10.97 10.87 11.00 9.54

1,474.63 1,531.67 1,587.60 1,644.81 1,925.66

825.98 825.99 825.99 1,061.24 1,061.25825.98 825.99 825.99 1,061.24 1,061.25

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

648.65 705.68 761.61 583.56 864.42237.89 261.40 261.40 261.40 262.92253.53 242.79 241.19 0.00 307.97

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.58 0.56 0.55 3.00 2.65

92.53 78.59 78.77 79.48 12.470.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

64.11 122.35 179.71 239.68 278.42

0.00 0.00 0.00 0.00 0.001,821.13 1,779.35 1,841.41 2,213.96 2,188.22

14.44 17.73 14.85 24.51 20.4817,656.39 16,941.18 17,258.76 16,940.14 16,037.0825,764.83 24,562.09 23,333.80 22,942.57 25,810.15

318.91 245.68 16.64 61.21 239.392,585.74 2,945.94 3,156.70 3,322.82 537.56

0.00 0.00 0.00 0.00 0.00

151


Concepto




Margen financiero
















Resultado Neto

Centro

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

1,922.25 1,431.74 1,411.28 1,177.18 5,942.46 1,204.77

1,592.82 1,106.67 1,025.08 859.33 4,583.90 726.29

10.35 (18.33) (10.66) (11.30) (29.93) (9.70)

339.78 306.75 375.55 306.55 1,328.63 468.78

(0.28) 12.23 19.64 18.91 50.51 195.24

340.06 294.52 355.90 287.64 1,278.12 273.54

36.75 21.18 26.68 22.51 107.11 202.71

8.32 7.51 6.17 5.21 27.21 7.42

385.13 323.20 388.75 315.36 1,412.44 483.67

262.53 264.93 321.38 301.75 1,150.60 240.2770.76 68.44 75.20 76.84 291.24 74.71

183.60 188.34 237.67 214.41 824.02 154.918.17 8.15 8.51 10.50 35.34 10.65

122.60 58.27 67.37 13.61 261.84 243.41

(56.91) 0.07 (8.29) 48.24 (16.89) 36.34

65.69 58.34 59.08 61.84 244.96 279.75

1.58 1.77 1.75 1.95 7.05 1.330.00 0.00 0.00 (0.06) (0.06) 0.000.00 0.00 0.00 0.00 0.00 0.00

64.11 56.57 57.34 59.83 237.84 278.42

0.00 1.67 0.02 0.14 1.84 0.00

64.11 58.24 57.36 59.97 239.68 278.42

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

64.11 58.24 57.36 59.97 239.68 278.42

152






















Centro

1,061.25 0.00 0.00 261.40 0.00 0.00 0.00 0.00 79.48 239.68 0.00 1,641.80

0.00 0.00 0.00 1.52 68.49 0.00 0.00 0.00 (70.01) 0.00 0.00 (0.00)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 239.68 0.00 0.00 0.00 0.00 (239.68) 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 278.42 0.00 278.42

0.00 0.00 0.00 0.00 (0.20) 0.00 0.00 0.00 0.00 0.00 0.00 (0.20)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 2.65 0.00 0.00 0.00 0.00 2.65

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.00 0.00 0.00 3.00

1,061.25 0.00 0.00 262.92 307.97 0.00 2.65 0.00 12.47 278.42 0.00 1,925.66

153



Concepto















Centro

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

64.11 122.35 179.71 239.68 278.42

8.17 16.32 24.83 35.34 (374.79)(0.28) 11.95 31.60 50.51 10.65

280.35 83.32 109.06 106.87 0.000.00 0.00 0.00 0.01 16.140.00 0.00 0.00 (0.06) 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(1,120.47) (2,291.36) (3,190.92) (3,656.30) (48.73)1,372.55 2,258.01 2,778.43 4,101.74 (118.76)

0.00 0.00 0.00 0.00 0.00(160.17) 325.64 343.67 292.35 (47.36)

0.00 0.00 0.00 0.00 0.00

444.26 526.24 276.37 1,170.12 (284.44)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 (235.26) 0.000.00 0.00 0.00 235.25 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 (0.00) 0.00

(11.78) (7.34) (81.83) (740.89) (2.47)(3.48) (1.51) 9.48 8.20 0.00

0.00 0.00 0.00 0.00 0.00(8.92) 63.29 314.11 278.36 0.00

(24.18) 54.44 241.75 (454.33) (149.99)

420.09 580.68 518.13 715.79 (434.44)

1,829.48 1,829.48 1,829.48 1,829.48 2,608.21

2,249.56 2,410.16 2,347.60 2,545.26 2,173.78

154


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Interacciones

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

11,365.67 11,200.71 11,047.36 10,819.78 8,422.07

435.56 407.37 542.33 416.62 574.586,533.90 6,727.14 6,709.18 6,216.31 3,823.18

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.03 0.11 0.43 0.18 0.00

3,946.51 3,624.33 3,336.56 3,743.56 3,560.88116.09 111.02 107.48 101.28 98.79(59.33) (58.65) (57.48) (56.16) (54.56)

88.10 94.05 71.73 63.22 93.1527.97 26.56 49.63 53.48 52.2923.33 25.13 20.22 19.64 19.4146.67 49.88 78.68 77.68 75.98

206.85 193.77 188.61 183.98 178.360.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

10,901.02 10,734.54 10,427.52 10,167.29 7,776.10

13.16 45.65 53.42 54.44 47.549,499.81 8,697.74 9,197.71 8,749.19 6,450.01

559.48 542.81 534.61 518.99 501.12745.71 917.74 561.92 788.06 757.62

0.00 0.03 0.00 0.03 2.020.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

82.82 530.52 79.81 56.56 17.790.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.04 0.04 0.04 0.00 0.00

464.65 466.18 619.84 652.49 645.97

802.78 800.70 995.29 995.54 995.54802.78 800.70 995.29 995.54 995.54

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(338.13) (334.52) (375.44) (343.05) (349.57)15.02 14.98 15.00 14.89 14.9189.53 97.84 97.79 89.56 136.65

(51.88) (54.08) (62.64) (55.12) (67.33)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(419.26) (438.52) (443.99) (440.97) (448.18)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

28.45 45.27 18.40 48.59 14.38

133.99 130.53 126.26 0.00 0.00131.06 128.05 125.57 154.72 128.84301.44 259.48 260.98 207.10 872.31

5,702.75 5,347.60 5,595.47 6,111.30 6,354.534,942.67 5,810.72 5,230.32 5,556.72 5,686.17

5.86 0.35 0.36 0.45 0.470.00 0.00 0.00 0.00 0.000.00 6.14 295.10 179.10 52.92

155



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Interacciones

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

6,533.90 6,727.14 6,709.18 6,216.31 3,823.18

136.59 285.99 242.33 282.43 245.32108.14 182.57 97.90 126.65 98.45

0.09 0.28 0.67 11.97 (10.08)6.86 84.70 0.00 13.65 4.00

101.19 97.59 97.23 101.02 104.5328.44 103.42 144.43 155.79 146.87

253.21 243.84 241.58 234.51 882.40253.21 243.84 241.58 234.51 882.40

0.00 0.00 0.00 0.00 659.170.00 0.00 0.00 0.00 0.00

253.21 243.84 241.58 234.51 223.230.00 0.00 0.00 0.00 0.00

6,144.10 6,197.31 6,225.27 5,699.37 2,695.466,144.10 6,197.31 6,225.27 5,699.37 2,695.46

0.00 0.00 0.00 0.00 0.000.12 0.12 0.13 0.13 0.13

6,143.98 6,197.19 6,225.15 5,699.24 2,695.340.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 98.870.00 0.00 0.00 0.00 100.89

0.00 0.00 0.00 0.00 2.026.84 84.73 0.00 23.12 4.016.85 84.70 0.00 23.08 4.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.03 0.11 0.43 0.18 0.00

0.03 0.11 0.43 0.18 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00


156


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Interacciones

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

4,062.60 3,735.35 3,444.04 3,844.83 3,659.67

3,946.51 3,624.33 3,336.56 3,743.56 3,560.88

695.08 537.75 586.15 941.69 724.2358.16 7.04 6.96 20.79 20.02

2.73 2.98 3.77 4.08 38.1861.85 59.62 58.83 68.11 67.14

3,128.69 3,016.93 2,680.85 2,708.90 2,711.320.00 0.00 0.00 0.00 0.00

116.09 111.02 107.48 101.28 98.79

114.95 109.92 106.40 97.67 96.090.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.17 0.17 0.15 2.71 2.700.97 0.94 0.92 0.90 (0.00)

329.11 164.89 220.51 268.87 180.69

288.52 164.89 220.51 268.87 176.37

204.61 137.84 190.77 241.64 151.2852.63 (0.00) 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

31.27 27.05 29.74 27.23 25.090.00 0.00 0.00 0.00 0.00

40.59 0.00 0.00 0.00 4.32

40.59 0.00 0.00 0.00 4.320.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

132.03 44.49 43.54 42.38 40.53

129.46 41.92 40.96 39.81 37.95

129.46 41.92 40.96 31.24 29.470.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 8.57 8.480.00 0.00 0.00 0.00 0.00

2.57 2.57 2.57 2.57 2.57

2.57 2.57 2.57 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 2.57 2.57

157


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Interacciones

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

3,852.65 4,404.70 4,059.36 3,749.28 3,944.48

1,096.47 1,109.91 689.24 927.01 847.76

207.20 111.85 313.89 121.41 387.84

73.12 94.05 53.23 48.66 48.72

36.55 43.14 44.66 43.49 39.87

3.32 4.51 4.43 4.77 5.77

19.03 14.85 13.98 13.14 13.41

2,416.95 3,026.38 2,939.91 2,590.80 2,601.12

59.33 58.65 57.48 56.16 54.56

2.07 1.40 3.09 1.17 3.82

14.99 18.81 10.65 9.73 9.74

21.93 25.88 26.80 26.09 23.92

2.98 4.51 4.37 4.71 5.61

0.00 0.00 0.00 0.00 0.00

17.36 8.05 12.57 14.46 11.46

158



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Interacciones

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

10,818.14 10,202.97 10,348.62 10,110.61 7,758.32

13.16 45.65 53.55 54.29 47.527.29 21.03 24.60 13.14 25.895.87 24.62 28.95 41.15 21.63

9,499.55 8,696.66 9,197.96 8,749.19 6,450.010.00 0.00 0.00 0.00 0.00

717.48 639.80 673.69 623.97 658.028,782.07 8,056.86 8,524.27 8,125.22 5,791.99

0.00 0.00 0.00 0.00 0.00559.48 542.81 534.61 518.99 501.12

745.95 917.82 562.51 788.10 757.66680.43 274.15 444.00 533.15 654.12

5.52 584.10 59.38 197.26 46.420.00 0.00 0.00 0.00 0.00

59.76 59.50 58.16 56.73 57.080.00 (0.00) 0.97 0.93 0.000.24 0.08 0.00 0.03 0.03

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.03 0.00 0.03 2.02

0.00 0.03 0.00 0.03 2.02

972.12 685.31 905.22 864.52 807.67

0.00 0.00 1.87 2.66 0.000.00 0.00 1.87 2.66 0.000.00 0.00 0.00 0.00 0.00

576.57 520.67 508.23 418.45 380.270.00 0.00 0.00 0.00 0.00

576.57 520.67 508.23 418.45 380.270.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

395.55 164.64 395.12 443.41 427.40394.45 162.62 335.74 350.22 380.98

0.00 0.00 59.38 93.19 46.420.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.001.10 2.02 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

159


Concepto








Margen financiero















Resultado Neto

Interacciones

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

852.33 611.43 558.69 525.41 2,547.87 438.14

292.90 256.41 236.87 227.28 1,013.47 204.2046.92 33.06 35.11 34.79 149.88 44.43

0.11 0.42 0.34 0.66 1.54 1.180.29 0.19 0.22 0.25 0.96 0.214.99 2.79 2.28 2.55 12.61 2.88

240.59 219.95 198.91 189.03 848.48 155.500.00 0.00 0.00 0.00 0.00 0.00

515.12 324.62 297.05 272.65 1,409.43 214.9925.46 20.90 17.75 14.83 78.94 14.58

0.33 1.82 1.11 4.49 7.76 1.1412.80 4.22 4.13 3.92 25.07 0.48

5.73 2.47 1.77 2.23 12.20 2.750.00 0.00 0.00 0.00 0.00 0.000.00 1.00 0.00 (0.00) 1.00 0.00

802.40 566.61 534.42 488.10 2,391.52 392.15

627.15 494.31 485.59 479.08 2,086.13 387.180.55 0.58 0.79 0.55 2.46 0.59

512.91 421.83 438.37 425.93 1,799.04 335.6657.25 31.52 29.91 26.02 144.70 22.7756.44 40.39 16.51 26.59 139.92 28.16

0.00 0.00 0.00 0.00 0.00 0.000.35 0.24 0.25 11.90 12.74 0.09

174.45 69.92 48.56 (3.10) 289.83 4.760.11 1.61 (0.02) 0.23 1.93 0.120.33 0.53 0.04 (0.01) 0.89 0.00

(2.68) 9.48 2.12 (0.06) 8.85 3.94

47.25 54.31 26.40 37.24 165.20 49.93

2.06 0.95 0.62 0.67 4.29 0.70

45.20 53.36 25.78 36.58 160.91 49.24

11.36 6.49 22.88 14.03 54.75 6.9513.19 (14.23) (56.02) 13.03 (44.03) (9.24)

69.74 45.62 (7.37) 63.64 171.63 46.95

34.03 37.92 38.94 45.16 156.06 42.1015.87 18.42 18.28 19.91 72.47 18.6216.52 17.86 19.25 23.58 77.21 21.86

1.65 1.64 1.41 1.68 6.38 1.61

35.71 7.70 (46.31) 18.47 15.58 4.85

(6.14) 10.06 20.57 13.83 38.32 10.48

29.57 17.76 (25.74) 32.30 53.89 15.34

0.27 0.26 0.26 0.26 1.04 0.290.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

29.30 17.50 (26.00) 32.05 52.85 15.05

(0.85) (0.68) (0.87) (1.85) (4.26) (0.67)

28.45 16.82 (26.86) 30.19 48.59 14.38

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

28.45 16.82 (26.86) 30.19 48.59 14.38

160


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Interacciones

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

11,365.67 11,201.03 11,048.32 10,820.36 8,422.63

435.56 407.37 542.34 416.62 574.586,534.42 6,727.92 6,710.25 6,217.86 3,825.29

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.03 0.11 0.43 0.18 0.00

3,946.51 3,624.33 3,336.56 3,743.56 3,560.88116.09 111.02 107.48 101.28 98.79(59.33) (58.65) (57.48) (56.16) (54.56)

85.63 95.65 74.47 64.82 94.6976.11 73.91 125.00 128.16 124.7623.33 25.13 20.22 19.64 19.41

0.47 0.45 0.45 0.43 0.42206.85 193.77 188.61 183.98 178.36

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

10,901.02 10,734.84 10,428.47 10,167.86 7,776.65

13.15 45.64 53.42 54.43 47.539,499.81 8,697.74 9,197.71 8,749.19 6,450.01

559.48 542.81 534.61 518.99 501.12745.71 917.74 561.92 788.06 757.62

0.00 0.03 0.00 0.03 2.020.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

82.83 530.84 80.76 57.15 18.350.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.04 0.04 0.04 0.00 0.00

464.65 466.18 619.85 652.49 645.97

802.78 800.70 995.29 995.54 995.54802.78 800.70 995.29 995.54 995.54

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(338.13) (334.52) (375.44) (343.04) (349.56)15.02 14.98 15.00 14.89 14.9189.53 97.84 97.79 89.56 136.65

(51.88) (54.08) (62.64) (55.12) (67.33)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(419.26) (438.52) (443.99) (440.97) (448.18)0.00 0.00 0.00 0.00 0.000.00 0.00 0.01 0.01 0.01

28.45 45.27 18.40 48.59 14.38

133.99 130.53 126.26 0.00 0.00131.06 128.05 125.57 154.72 128.84301.44 259.48 260.98 207.10 872.31

5,702.75 5,347.60 5,595.47 6,111.30 6,354.534,942.67 5,810.72 5,230.32 5,556.72 5,686.17

5.86 0.35 0.36 0.45 0.470.00 0.00 0.00 0.00 0.000.00 6.14 295.10 179.10 52.92

161


Concepto




Margen financiero
















Resultado Neto

Interacciones

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

852.45 611.51 558.69 525.38 2,548.03 438.20

802.40 566.61 534.42 488.10 2,391.52 392.15

(2.68) 9.48 2.12 (0.06) 8.85 3.94

47.37 54.38 26.39 37.22 165.36 49.99

2.06 0.95 0.62 0.67 4.29 0.70

45.31 53.43 25.77 36.55 161.07 49.30

11.36 6.49 22.88 14.03 54.75 6.95

13.19 (14.23) (56.02) 13.03 (44.03) (9.24)

69.86 45.70 (7.38) 63.61 171.79 47.01

35.22 38.85 40.56 48.21 162.84 44.1415.87 18.42 18.28 19.91 72.47 18.6217.71 17.20 19.86 25.11 79.89 21.61

1.65 3.23 2.42 3.19 10.49 3.91

34.63 6.84 (47.93) 15.40 8.94 2.87

(5.92) 10.23 21.33 15.05 40.69 11.80

28.72 17.08 (26.61) 30.45 49.63 14.67

0.27 0.26 0.26 0.26 1.04 0.290.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

28.45 16.82 (26.86) 30.19 48.59 14.38

0.00 0.00 0.00 0.00 0.00 (0.00)

28.45 16.82 (26.86) 30.19 48.59 14.38

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

28.45 16.82 (26.86) 30.19 48.59 14.38

162






















Interacciones

965.17 0.00 0.00 14.44 86.83 (53.44) 0.00 0.00 (427.52) 47.11 0.01 632.59

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 47.11 0.00 0.00 0.00 0.00 (32.73) 0.00 14.38

0.00 0.00 0.00 0.00 0.00 (13.89) 0.00 0.00 0.00 0.00 0.00 (13.89)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 59.13 0.00 0.00 59.13

30.37 0.00 0.00 0.47 2.71 0.00 0.00 0.00 (33.55) 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 (46.23) 0.00 0.00 (46.23)

995.54 0.00 0.00 14.91 136.65 (67.33) 0.00 0.00 (448.18) 14.38 0.01 645.97

163



Concepto















Interacciones

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

28.45 45.27 18.40 48.59 14.38

1.65 3.29 4.70 12.05 1.020.09 1.08 1.08 1.45 0.700.00 0.00 0.00 0.13 1.050.00 0.00 0.00 43.54 1.870.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(149.01) (734.84) (605.60) (845.27) (2,354.40)(417.78) (100.49) 194.40 (208.29) 183.57

0.00 0.00 0.00 0.00 0.00(1,024.76) (1,233.73) (1,209.13) (766.90) 2,394.74

0.00 0.00 0.00 (0.01) 0.00

(1,561.36) (2,019.42) (1,596.15) (1,714.71) 242.92

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 193.53 193.58 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 193.53 193.58 0.00

(21.09) (23.98) (79.59) (11.71) 0.250.04 0.04 0.04 0.00 0.000.00 0.00 0.00 0.00 0.00

1,650.63 2,084.34 1,657.63 1,643.96 (78.55)

1,629.58 2,060.41 1,578.09 1,570.79 (84.96)

68.22 40.98 175.47 49.66 157.96

367.34 366.39 366.87 366.96 416.62

435.56 407.37 542.34 416.62 574.58

164


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


J. P. Morgan

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

4,270.52 4,459.08 3,147.15 6,400.43 20,045.51

1,113.11 572.31 1,134.83 2,301.08 6,649.061,231.08 1,917.73 903.29 3,371.33 1,324.83

0.00 0.00 0.59 0.47 0.030.00 0.00 0.00 0.00 0.00

278.73 184.03 149.09 44.85 445.271,464.25 1,588.48 830.86 613.64 436.81

0.00 0.00 0.00 0.00 0.00(0.91) (0.89) 0.00 0.00 0.0091.53 141.79 75.28 10.00 11,134.6556.69 55.07 52.66 50.34 48.21

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 8.74 6.66

36.03 0.57 0.56 0.00 0.00

0.00 0.00 0.00 0.00 0.00

2,539.72 2,968.50 1,618.99 4,905.95 18,462.20

0.00 0.00 0.00 0.00 0.001,190.88 2,519.80 1,195.79 4,411.59 990.641,084.65 218.08 212.61 207.57 201.02

0.00 0.00 10.13 0.00 0.004.75 0.31 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

71.76 39.75 5.23 22.42 21.2732.28 15.99 8.06 0.00 0.00

155.41 174.57 187.17 264.37 17,249.270.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

1,730.80 1,490.58 1,528.16 1,494.49 1,583.31

1,050.24 1,050.19 1,049.97 1,050.21 1,050.161,050.24 1,050.19 1,049.97 1,050.21 1,050.16

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

680.56 440.40 478.19 444.28 533.15140.60 140.59 140.56 140.59 140.59

1,192.72 827.78 828.68 828.24 1,075.56

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(755.69) (771.21) (771.71) (771.92) (771.89)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

102.94 243.23 280.66 247.37 88.89

0.00 0.00 0.00 0.00 0.00353.16 345.06 338.39 391.96 380.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

641.21 165.91 205.21 741.67 238.920.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

15,628.05 46,537.34 25,520.16 49,528.32 0.00

165



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









J. P. Morgan

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,231.08 1,917.73 903.29 3,371.33 1,324.83

1,231.08 1,917.73 903.29 3,371.33 1,324.831,231.08 1,917.73 903.29 3,371.33 1,324.83

243.12 182.26 229.20 2,314.42 1,003.94987.96 1,735.48 674.08 1,056.90 320.89

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.00 0.00 0.59 0.47 0.031,540.73 314.64 503.83 240.79 1,308.411,544.14 314.95 503.24 240.56 1,308.39

4.75 0.31 0.00 0.00 0.00125.94 0.00 34.49 561.86 99.99124.60 0.00 34.49 562.10 99.99

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

278.73 184.03 149.09 44.85 445.27

278.73 184.03 149.09 44.85 445.270.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

71.75 39.75 5.23 22.42 21.27

71.75 39.75 5.23 22.42 21.270.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

166


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




J. P. Morgan

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,464.25 1,588.48 830.86 613.64 436.81

1,464.25 1,588.48 830.86 613.64 436.81

163.52 0.00 0.00 0.00 0.001,160.57 1,260.83 830.86 613.64 436.81

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

140.16 327.65 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

167


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



J. P. Morgan

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,465.03 1,430.67 1,557.74 810.43 594.92

1,465.03 1,430.67 1,557.74 810.43 594.92

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.91 0.89 0.00 0.00 0.00

0.91 0.89 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

168



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



J. P. Morgan

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,278.94 2,738.20 1,419.11 4,619.16 1,191.66

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

1,190.88 2,519.80 1,195.79 4,411.59 990.640.00 0.00 0.00 0.00 0.00

111.69 109.63 111.71 109.67 111.741,079.18 2,410.18 1,084.07 4,301.92 878.90

0.00 0.00 0.00 0.00 0.001,084.66 218.08 212.61 207.57 201.02

0.00 0.00 10.71 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 10.13 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.58 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

3.41 0.31 0.00 0.00 0.00

3.41 0.31 0.00 0.00 0.00

0.00 0.00 10.13 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 10.13 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 10.13 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

169


Concepto








Margen financiero















Resultado Neto

J. P. Morgan

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

245.98 259.54 214.65 199.71 919.88 143.71

97.27 93.45 63.56 43.23 297.51 31.0510.14 8.19 (18.33) 0.00 0.00 0.0082.05 79.93 92.30 43.23 297.51 31.05

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.005.08 5.33 (10.41) 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

109.45 139.05 104.66 115.39 468.54 83.9439.25 27.05 46.44 41.09 153.83 28.71

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

275.72 211.25 177.72 189.61 854.30 124.16

233.56 142.58 132.32 144.91 653.38 87.470.00 0.00 0.00 0.27 0.27 0.00

144.73 112.46 120.98 135.26 513.43 78.6388.67 29.74 10.75 9.32 138.49 8.79

0.16 0.38 0.58 0.06 1.18 0.050.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

20.39 55.42 34.84 39.62 150.28 32.1921.77 13.24 10.56 5.08 50.65 4.50

0.00 0.00 0.00 0.00 0.00 0.00

(91.95) (36.12) (28.24) (36.46) (192.76) (44.88)

(121.69) 12.17 8.70 (26.36) (127.18) (25.33)

0.00 0.00 0.00 0.00 0.00 0.00

(121.69) 12.17 8.70 (26.36) (127.18) (25.33)

0.12 (0.00) (0.00) 13.38 13.50 10.90280.79 127.26 103.60 201.31 712.96 208.28

159.23 139.42 112.30 188.33 599.27 193.85

90.85 100.24 123.57 111.97 426.63 109.3331.70 26.44 25.77 (15.45) 68.46 36.0956.66 71.41 95.52 125.26 348.84 71.38

2.49 2.39 2.28 2.17 9.33 1.85

68.37 39.18 (11.27) 76.36 172.64 84.52

34.56 96.26 88.97 1.42 221.21 40.92

102.94 135.43 77.70 77.77 393.85 125.44

0.00 10.80 47.89 127.66 186.35 34.740.00 15.66 7.62 16.60 39.88 (1.81)0.00 0.00 0.00 0.00 0.00 0.00

102.94 140.29 37.43 (33.29) 247.37 88.89

0.00 0.00 0.00 0.00 0.00 0.00

102.94 140.29 37.43 (33.29) 247.37 88.89

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

102.94 140.29 37.43 (33.29) 247.37 88.89

170






















J. P. Morgan

1,050.16 0.00 0.00 140.59 1,075.56 0.00 0.00 0.00 (771.89) 0.00 0.00 1,494.42

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 88.89 0.00 88.89

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1,050.16 0.00 0.00 140.59 1,075.56 0.00 0.00 0.00 (771.89) 88.89 0.00 1,583.31

171



Concepto















J. P. Morgan

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

102.94 243.23 280.66 247.37 88.89

2.49 4.88 7.16 9.33 1.850.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.009.29 (133.10) (165.67) (55.15) (394.42)0.00 15.66 27.00 146.47 36.550.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(731.67) (269.09) (1,588.59) 1,612.04 (3,427.21)84.19 (40.18) 716.64 933.85 176.800.00 0.00 0.00 0.00 0.00

135.17 (351.78) 694.83 (1,762.59) 2,039.60(25.02) (52.82) 6.81 13.37 5,825.18

(422.61) (583.19) (21.16) 1,144.71 4,347.23

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 (379.57) (379.49) (379.47) 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 (379.57) (379.49) (379.47) 0.00

(0.10) (0.64) (0.30) (0.06) 0.880.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(0.10) (0.64) (0.30) (0.06) 0.88

(422.71) (963.40) (400.95) 765.18 4,348.12

1,535.82 1,535.71 1,535.78 1,535.78 2,300.94

1,113.11 572.31 1,134.83 2,300.96 6,649.06

172


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Afirme

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

7,027.26 6,464.31 6,163.67 5,885.80 5,952.00

590.72 989.04 804.47 725.36 1,221.43759.90 92.84 369.26 914.84 98.65

0.00 0.00 0.00 22.35 2.540.00 0.00 0.00 0.00 0.000.07 0.00 0.00 0.00 0.00

5,507.37 5,194.48 4,800.20 4,051.11 4,482.8517.88 12.75 25.38 10.55 10.57

(17.88) (21.91) (32.93) (34.66) (33.26)70.61 82.16 78.94 62.23 44.1483.79 89.04 103.72 115.85 109.31

0.00 0.00 0.00 0.79 0.650.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

14.80 25.90 14.63 17.38 15.11

0.00 0.00 0.00 0.00 0.00

6,510.15 5,942.59 5,635.24 5,348.41 5,413.42

597.42 689.00 933.51 994.36 1,379.905,133.35 4,727.11 4,206.35 3,909.27 3,539.78

0.00 0.00 0.00 0.00 0.00667.14 417.19 381.57 332.44 317.44

0.00 7.78 7.30 22.70 0.380.00 0.00 0.00 0.00 0.000.00 0.26 0.38 0.00 0.001.91 2.37 1.70 0.00 2.24

110.30 98.76 104.28 89.52 173.640.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.04 0.12 0.16 0.12 0.04

517.20 521.81 528.52 537.48 538.66

487.38 487.38 552.04 548.91 548.91487.38 487.38 552.04 548.91 548.91

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

29.83 34.43 (23.51) (11.43) (10.25)22.67 22.67 170.70 168.65 168.65

212.48 212.69 0.00 0.00 24.38

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(210.91) (210.91) (210.91) (209.43) (209.43)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.005.59 9.99 16.70 29.34 6.15

0.00 0.00 0.00 0.00 0.00696.24 844.72 1,045.26 1,111.89 1,059.94

71.40 68.54 110.13 80.55 18.661,607.66 2,273.34 4,262.27 5,769.11 3,029.076,819.17 6,799.02 6,247.85 5,465.29 5,104.18

0.00 0.00 0.00 1,154.66 1,119.440.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

173



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Afirme

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

759.90 92.84 369.26 914.84 98.65

759.76 92.70 369.12 914.71 98.65759.76 92.70 369.12 914.71 98.53

29.12 84.44 67.75 703.18 98.53730.65 8.27 301.38 211.53 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.13

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.14 0.14 0.13 0.13 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.00 0.00 0.01 22.35 2.540.00 1,046.66 2,179.70 2,067.10 4,132.990.00 1,050.93 2,179.69 2,044.75 4,130.45

0.00 7.78 7.31 22.66 0.380.00 165.26 1,135.24 435.24 133.030.00 161.75 1,127.94 412.58 132.65

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.07 0.00 0.00 0.00 0.00

0.07 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.26 0.39 0.04 0.00

0.00 0.26 0.39 0.04 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

174


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Afirme

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

5,525.25 5,207.24 4,825.58 4,061.66 4,493.43

5,507.37 5,194.48 4,800.20 4,051.11 4,482.85

1,650.46 1,977.93 1,491.18 1,510.07 1,315.941,003.39 3,186.62 3,278.01 2,508.69 3,133.86

10.74 10.41 11.26 12.93 13.700.25 2.03 1.79 1.60 1.35

2,842.52 17.49 17.96 17.82 18.010.00 0.00 0.00 0.00 0.00

17.88 12.75 25.38 10.55 10.57

17.38 11.55 23.76 9.22 9.300.00 0.00 0.00 0.00 0.000.50 1.20 1.61 1.33 1.270.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

500.63 449.84 353.66 323.26 282.46

494.64 448.78 343.12 323.26 282.46

442.28 448.78 343.12 323.26 282.4652.36 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

5.99 1.05 10.55 0.00 0.00

5.99 1.05 10.55 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

175


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Afirme

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

5,582.52 5,469.12 5,175.75 4,815.95 4,437.69

2,557.96 2,389.37 2,302.18 1,843.08 1,686.32

353.53 253.83 242.76 257.77 250.45

38.51 46.93 21.68 23.69 23.62

1.22 1.46 43.19 42.40 41.61

0.09 0.16 0.31 0.43 0.98

0.39 0.04 0.04 0.04 0.04

2,630.81 2,777.34 2,565.60 2,648.54 2,434.67

17.88 21.91 32.93 34.66 33.26

3.54 2.54 2.42 2.66 2.58

7.70 9.38 4.37 4.78 4.87

0.73 9.59 25.57 26.12 24.67

0.09 0.16 0.31 0.83 0.98

0.00 0.00 0.00 0.06 0.06

5.82 0.23 0.25 0.21 0.11

176



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Afirme

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

6,397.90 5,837.31 5,522.00 5,236.07 5,237.50

597.42 689.00 933.51 994.36 1,379.90433.67 555.00 751.95 836.85 1,160.53163.75 134.00 181.55 157.51 219.37

5,133.35 4,727.11 4,206.35 3,909.27 3,539.780.00 0.00 0.00 0.00 0.00

714.13 382.83 248.62 328.61 305.404,419.22 4,344.28 3,957.73 3,580.67 3,234.38

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

667.14 417.19 382.15 332.44 317.440.27 80.93 80.55 86.31 153.00

426.08 0.00 38.07 3.61 0.00239.27 333.03 262.95 242.51 164.44

0.00 0.00 0.00 0.00 0.001.52 3.23 0.58 (0.00) 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 4.01 0.00 0.00 0.38

0.00 4.01 0.00 0.00 0.38

603.42 444.85 464.62 603.65 931.70

18.93 29.70 234.64 336.29 665.279.47 14.85 197.88 318.89 652.179.47 14.85 36.76 17.40 13.09

410.52 141.57 26.69 83.19 87.080.00 0.00 0.00 0.00 0.00

410.52 141.57 26.69 83.19 87.080.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

173.96 273.58 203.29 184.17 179.360.00 0.00 0.00 7.72 76.800.00 0.00 0.00 0.00 0.00

172.62 270.50 203.29 176.45 102.550.00 0.00 0.00 0.00 0.001.34 3.08 0.00 (0.00) 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

177


Concepto








Margen financiero















Resultado Neto

Afirme

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

508.28 397.46 410.79 415.15 1,731.68 390.69

492.94 347.23 375.02 333.67 1,548.85 372.81163.02 149.35 198.43 202.55 713.35 245.41115.67 105.26 180.00 136.86 537.80 125.43

1.07 0.84 0.84 0.80 3.54 0.990.03 0.08 0.14 0.11 0.36 0.09

213.15 91.71 (4.40) (6.65) 293.81 0.880.00 0.00 0.00 0.00 0.00 0.00

13.29 16.81 14.67 15.45 60.21 1.970.00 0.00 0.00 0.00 0.00 0.002.05 2.78 2.69 5.09 12.61 4.870.00 30.65 18.41 60.95 110.00 11.050.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

400.46 303.02 318.27 318.27 1,340.02 304.83

400.46 303.02 193.33 204.79 1,101.60 164.5331.53 30.56 32.54 39.84 134.46 18.62

359.23 261.21 147.45 149.76 917.65 140.530.00 0.00 0.00 0.00 0.00 0.009.70 11.25 13.34 15.20 49.48 5.370.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 124.94 113.48 238.42 140.300.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(23.08) (10.19) (8.36) (7.10) (48.71) (12.93)

84.74 84.25 84.17 89.78 342.94 72.94

5.87 4.45 11.49 2.17 23.98 0.40

78.87 79.81 72.67 87.61 318.97 72.54

2.86 3.44 6.45 17.79 30.54 2.9710.02 2.97 13.55 12.20 38.74 11.53

91.75 86.21 92.67 117.61 388.24 87.04

81.37 84.38 87.19 93.99 346.93 76.5229.92 35.50 34.34 37.68 137.44 36.1341.87 39.13 41.85 52.15 174.99 30.68

9.59 9.75 10.99 4.17 34.50 9.71

10.38 1.84 5.48 23.61 41.31 10.53

0.75 5.00 8.03 3.14 16.93 0.71

11.13 6.84 13.51 26.76 58.24 11.24

6.80 1.98 7.48 18.52 34.78 2.511.27 (0.47) 0.68 4.41 5.88 (2.58)0.00 0.00 0.00 0.00 0.00 0.00

5.59 4.39 6.71 12.64 29.34 6.15

0.00 0.00 0.00 0.00 0.00 0.00

5.59 4.39 6.71 12.64 29.34 6.15

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

5.59 4.39 6.71 12.64 29.34 6.15

178






















Afirme

532.17 0.00 0.00 163.51 0.00 (0.09) 0.00 0.00 (203.04) 28.06 0.00 520.61

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 28.06 0.00 0.00 0.00 0.00 (21.91) 0.00 6.15

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.46 0.00 0.00 3.46

16.74 0.00 0.00 5.14 0.89 (0.00) 0.00 0.00 (22.78) 0.00 0.00 0.00

0.00 0.00 0.00 0.00 (4.58) 0.00 0.00 0.00 12.93 0.00 0.00 8.36

548.91 0.00 0.00 168.65 24.38 (0.09) 0.00 0.00 (209.43) 6.15 0.00 538.57

179



Concepto















Afirme

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

5.59 9.99 16.70 29.34 6.15

9.59 19.35 30.34 34.50 9.715.87 10.32 21.81 23.98 0.400.00 0.00 0.00 0.00 0.00

(0.73) 0.81 2.41 0.42 0.00(1.27) (0.80) (1.48) (5.88) 2.58

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(454.16) (768.81) (1,045.07) (1,238.93) 16.04297.22 615.23 996.89 1,720.93 (431.77)

0.00 0.00 0.00 0.00 0.00(721.80) (46.63) (323.40) (876.58) 812.79

6.39 (31.58) (14.93) (8.94) 100.42

(853.28) (192.13) (316.74) (321.17) 516.33

0.00 0.00 0.00 160.90 0.00494.42 244.47 208.85 0.00 (14.99)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

494.42 244.47 208.85 160.90 (14.99)

(1.28) (13.69) (32.12) (42.10) (4.79)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(0.67) (0.78) (1.70) (2.15) 0.07

(2.74) (15.62) (39.96) (60.17) (5.26)

(361.60) 36.72 (147.85) (220.44) 496.07

952.32 952.32 952.32 945.80 725.36

590.71 989.04 804.47 725.36 1,221.43

180


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Ixe

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

4,575.03 4,875.83 4,867.46 4,991.08 4,892.26

898.23 503.34 466.37 895.30 628.24374.53 294.33 376.10 72.29 476.26

3.02 2.24 0.00 4.49 0.000.00 0.00 0.00 0.00 0.000.28 0.00 0.15 0.00 0.56

2,498.99 3,246.27 3,197.10 3,318.34 3,144.72109.24 125.86 151.70 215.32 190.20(61.79) (68.54) (71.74) (138.88) (162.40)

62.70 63.57 96.64 62.80 92.35205.05 205.34 205.84 198.82 202.65103.14 100.37 28.54 27.85 19.85238.18 268.16 275.44 254.86 271.68

70.13 68.53 67.69 39.05 0.0073.32 66.35 73.62 40.83 28.14

0.00 0.00 0.00 0.00 0.00

4,031.67 4,314.34 4,305.59 4,486.34 4,391.44

835.52 731.86 688.15 879.46 686.311,994.05 2,303.78 2,518.36 2,574.96 2,803.23

50.16 49.19 47.62 46.63 45.301,102.08 1,149.19 961.92 897.80 709.73

2.62 12.86 11.26 3.99 18.660.00 0.00 0.00 0.00 0.000.00 0.10 0.00 0.09 0.000.00 0.00 0.00 0.00 21.42

47.07 67.18 78.11 83.24 106.630.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.18 0.17 0.17 0.16 0.16

543.35 561.49 561.87 504.73 500.82

668.02 667.01 668.52 770.17 830.15626.62 625.67 627.09 639.51 649.49

41.40 41.34 41.43 130.66 180.660.00 0.00 0.00 0.00 0.00

(124.66) (105.52) (106.66) (265.44) (329.33)13.12 16.87 16.91 4.66 6.5486.38 82.47 82.64 82.66 (71.62)

(0.39) (0.19) 0.10 0.17 0.220.00 0.00 0.00 0.00 0.00

47.22 52.15 52.29 33.13 0.00(291.86) (296.66) (302.28) (306.97) (274.22)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

20.87 39.85 43.69 (79.09) 9.75

0.00 0.00 0.00 0.00 0.0093.81 107.83 132.18 128.93 83.5077.84 105.44 63.80 41.87 38.63

5,021.12 5,233.09 5,302.96 5,793.97 5,475.628,872.95 9,543.94 8,463.78 8,011.54 7,781.45

833.49 844.44 1,049.30 1,019.61 812.810.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

181



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Ixe

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

374.53 294.33 376.10 72.29 476.26

299.35 217.60 302.38 35.07 440.13299.35 217.60 302.38 35.07 440.13

0.00 7.85 10.72 35.07 51.28299.34 209.75 291.66 0.00 388.85

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

75.18 76.73 73.72 37.22 36.1375.18 76.73 73.72 37.22 36.13

0.39 0.43 0.22 0.22 0.2174.79 76.31 73.50 37.01 35.92

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

3.02 2.24 0.00 4.49 0.00646.76 1,789.62 1,511.42 1,008.04 5,218.07643.74 1,787.38 1,518.38 1,003.55 5,226.19

2.62 12.86 11.26 3.99 18.66777.70 780.41 481.05 1,008.17 1,350.78775.08 767.55 476.74 1,004.17 1,340.24

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.28 0.00 0.15 0.00 0.56

0.28 0.00 0.15 0.00 0.560.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.10 0.00 0.09 0.00

0.00 0.10 0.00 0.09 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

182


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Ixe

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,608.23 3,372.12 3,348.79 3,533.66 3,334.92

2,498.99 3,246.27 3,197.10 3,318.34 3,144.72

1,370.44 1,520.62 1,469.01 1,140.94 929.23850.30 1,431.02 1,464.07 1,922.79 1,977.61

29.37 28.66 25.38 24.02 19.9218.13 24.51 26.64 24.93 20.49

230.75 241.46 212.00 205.66 197.470.00 0.00 0.00 0.00 0.00

109.24 125.86 151.70 215.32 190.20

98.16 96.15 148.48 212.17 180.140.00 0.00 0.00 0.00 0.00

11.08 29.70 3.22 3.15 2.750.00 0.00 0.00 0.00 7.310.00 0.00 0.00 0.00 0.00

529.57 522.79 532.96 490.32 344.50

500.48 471.42 486.59 413.40 308.52

135.40 123.63 141.38 82.51 71.66355.41 339.20 339.48 326.69 230.71

9.67 8.58 5.73 4.20 2.630.00 0.00 0.00 0.00 3.530.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

29.10 51.37 46.37 76.92 35.98

23.32 26.14 46.37 76.92 35.980.00 0.00 0.00 0.00 0.005.78 25.23 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

183


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Ixe

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,852.80 2,624.98 3,401.49 3,340.79 3,452.90

2,139.73 1,916.09 2,685.09 2,485.27 2,634.19

318.74 333.66 372.17 335.51 240.65

81.16 75.89 74.50 195.14 263.45

28.40 57.69 54.43 109.16 101.74

1.89 1.82 2.20 7.85 13.20

41.37 4.22 1.45 1.07 0.28

241.52 235.61 211.64 206.79 199.39

61.79 68.54 71.74 138.88 162.40

3.19 3.34 3.72 3.36 2.53

16.23 15.18 14.90 47.55 52.76

17.04 34.62 32.66 39.92 61.07

1.88 1.82 2.20 7.85 13.20

0.00 0.00 0.00 0.00 0.00

23.45 13.58 18.25 40.21 32.83

184



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Ixe

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

3,981.74 4,234.03 4,223.56 4,398.85 4,252.68

835.52 731.86 688.21 879.52 686.37801.60 692.19 632.82 814.50 589.73

33.92 39.66 55.39 65.02 96.641,993.98 2,303.78 2,518.30 2,574.90 2,803.171,814.25 2,099.51 2,296.97 2,427.18 2,502.66

16.97 9.00 9.19 0.56 176.20162.75 195.28 212.14 147.16 124.31

0.00 0.00 0.00 0.00 0.0050.16 49.19 47.62 46.63 45.30

1,102.08 1,149.19 962.50 897.80 709.73228.83 294.30 225.28 226.79 138.60

84.02 0.00 0.00 0.00 0.00779.85 854.89 736.64 671.01 571.12

0.00 0.00 0.00 0.00 0.009.39 0.00 0.58 (0.00) (0.00)0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 6.93 0.00 8.12

0.00 0.00 6.93 0.00 8.12

855.93 724.74 650.79 669.92 591.54

176.84 91.72 80.02 133.18 58.47176.84 91.72 80.02 133.18 58.47

0.00 0.00 0.00 0.00 0.0016.37 8.35 8.62 0.00 175.66

0.00 0.00 0.00 0.00 0.0016.37 8.35 8.62 0.00 175.66

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

662.71 624.67 562.14 536.74 357.41228.83 294.30 225.28 226.79 138.60

84.02 0.00 0.00 0.00 0.00345.31 330.37 336.27 309.95 218.81

0.00 0.00 0.00 0.00 0.004.56 (0.00) 0.59 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

185


Concepto








Margen financiero















Resultado Neto

Ixe

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

343.88 278.02 271.65 248.36 1,141.92 312.61

205.84 153.60 144.96 111.10 615.50 89.01155.76 109.54 103.22 80.45 448.96 59.60

45.97 40.96 38.44 27.93 153.30 27.252.35 1.70 1.58 1.38 7.01 1.131.76 1.40 1.72 1.35 6.23 1.020.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

27.07 50.95 52.77 36.89 167.67 69.5238.25 26.96 47.11 55.69 168.01 81.43

1.43 2.84 1.14 15.53 20.94 2.2071.29 43.67 25.67 29.15 169.80 70.45

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

280.71 225.33 218.10 188.59 912.74 252.25

139.73 116.04 124.93 101.02 481.72 101.0017.18 14.60 12.92 10.79 55.49 9.84

116.32 94.55 105.55 91.88 408.30 87.971.16 2.79 1.45 (5.39) 0.00 0.005.08 4.10 5.01 3.75 17.94 3.200.00 0.00 0.00 0.00 0.00 0.00

64.58 46.53 42.53 29.68 183.32 23.0376.40 62.76 50.64 57.88 247.69 128.22

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(0.89) (0.38) (0.09) 2.99 1.63 (1.22)

62.28 52.31 53.46 62.76 230.81 59.14

6.93 9.46 4.65 67.87 88.91 17.50

55.35 42.85 48.80 (5.11) 141.90 41.64

4.95 6.63 6.87 4.99 23.44 6.68(2.23) 0.59 (1.62) 31.18 27.93 21.55

58.07 50.07 54.06 31.06 193.27 69.87

62.71 69.56 68.26 107.99 308.52 75.3633.54 37.49 32.52 34.46 138.02 36.8724.51 27.89 31.49 52.92 136.80 31.24

4.66 4.18 4.25 20.61 33.70 7.25

(4.64) (19.49) (14.20) (76.93) (115.25) (5.49)

5.10 9.38 7.37 (17.11) 4.74 2.86

0.46 (10.11) (6.83) (94.04) (110.52) (2.63)

0.01 0.00 0.00 0.01 0.02 0.040.00 0.00 0.31 (26.98) (26.68) (3.70)0.00 0.00 0.00 0.00 0.00 0.00

0.46 (10.11) (6.53) (121.03) (137.21) (6.36)

20.41 29.09 10.37 (1.75) 58.12 16.12

20.87 18.98 3.84 (122.78) (79.09) 9.75

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

20.87 18.98 3.84 (122.78) (79.09) 9.75

186






















Ixe

619.40 126.68 0.00 6.40 80.14 0.17 32.12 0.00 (295.11) (86.81) 0.00 482.98

10.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 60.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 (86.81) 0.00 0.00 0.00 0.00 86.81 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.75 0.00 9.75

0.00 0.00 0.00 0.00 0.00 0.05 0.00 0.00 0.00 0.00 0.00 0.05

0.00 0.00 0.00 0.00 0.00 0.00 (32.12) 0.00 32.12 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20.09 3.98 0.00 0.14 (64.94) 0.00 0.00 0.00 (11.24) 0.00 0.00 (51.97)

0.10 (0.10) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

649.59 180.56 0.00 6.54 (71.62) 0.22 0.00 0.00 (274.22) 9.75 0.00 500.82

187



Concepto















Ixe

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

20.87 39.85 43.69 (79.09) 9.75

14.12 8.84 35.85 222.69 26.000.00 19.18 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(0.26) 0.49 (0.01) (0.50) 1.56(0.01) 0.01 0.01 0.02 3.7320.41 (49.50) (60.26) (58.12) (16.12)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

209.02 418.14 581.21 827.67 33.78259.75 (511.35) (482.96) (765.29) 193.01

0.00 0.00 0.00 0.00 0.00(265.20) (174.34) (254.67) 38.21 (386.98)

0.96 (0.00) (32.92) 0.93 (26.04)

259.67 (248.68) (170.06) 186.51 (161.29)

0.00 0.00 0.00 0.00 0.0011.31 60.06 (129.76) (194.07) (188.07)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(11.64) (16.83) (21.84) 75.06 60.60(0.09) (0.14) (0.16) (12.41) (67.75)

(0.43) 43.08 (151.76) (131.42) (195.23)

(18.34) (20.48) 48.41 34.44 (5.34)(0.01) (0.01) (0.02) (0.02) (0.01)

0.00 0.00 0.00 0.00 0.00(21.46) 50.14 57.92 104.59 28.58

(36.41) 34.55 112.22 164.13 89.46

222.83 (171.04) (209.59) 219.22 (267.06)

675.40 674.39 675.96 676.08 895.30

898.23 503.34 466.37 895.30 628.24

188


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Bank of Boston

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,502.96 1,619.22 3,425.94 4,850.45 3,538.72

383.31 732.11 2,133.22 2,908.97 540.35381.24 68.56 542.64 1,010.53 570.47

0.03 0.68 0.44 0.45 0.240.00 0.00 0.00 0.00 0.000.00 0.00 0.00 27.88 66.38

647.86 727.73 659.22 817.49 896.233.05 0.50 3.67 0.00 0.00

(2.43) (2.37) (2.33) (2.27) (2.20)15.73 16.57 6.34 7.39 1,388.2070.83 71.79 77.81 75.79 75.31

0.00 0.00 0.00 0.00 0.000.00 0.00 0.83 0.81 0.780.00 0.00 0.00 0.00 0.003.34 3.64 4.10 3.42 2.96

0.00 0.00 0.00 0.00 0.00

1,281.04 1,384.38 3,188.65 4,620.52 3,309.79

51.48 59.65 123.43 90.89 90.95259.71 524.26 2,548.56 4,380.95 1,487.11

0.00 0.00 0.00 0.00 0.00953.41 782.17 498.24 136.66 356.45

0.00 (0.00) 0.11 0.83 0.260.00 0.00 0.00 0.00 0.000.00 0.00 0.32 0.00 0.000.00 0.00 0.00 0.00 0.00

16.33 18.19 17.88 11.09 1,374.920.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.11 0.11 0.10 0.10 0.10

221.92 234.84 237.28 229.93 228.94

330.16 330.16 330.16 327.87 328.09330.16 330.16 330.16 327.87 328.09

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(108.24) (95.32) (92.88) (97.94) (99.15)2.99 2.99 2.99 3.58 3.58

(95.94) (95.94) (95.94) (95.06) (102.58)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.001.04 1.04 1.03 1.03 1.030.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(16.32) (3.40) (0.96) (7.49) (1.18)

0.00 0.00 0.00 0.00 0.00342.26 404.74 486.79 474.82 460.34

28.31 33.35 4.04 1.61 10.600.00 0.00 0.00 0.00 888.67

204.44 54.91 638.20 496.12 507.540.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

799.35 1,376.90 (1,836.68) 96.49 (939.96)

189



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Bank of Boston

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

381.24 68.56 542.64 1,010.53 570.47

381.23 68.56 35.93 325.71 23.37381.23 68.56 35.93 325.71 23.37

9.72 14.19 24.92 78.04 23.34371.51 54.37 11.02 247.67 0.04

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 547.100.00 0.00 0.00 0.00 547.100.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 547.100.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 506.70 684.82 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.03 0.68 0.44 0.45 0.24193.88 297.75 340.20 330.67 428.07193.84 297.07 339.76 331.50 427.83

0.00 0.00 0.11 0.83 0.26110.36 6.47 31.84 255.89 210.97110.36 6.47 31.72 256.33 210.72

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 27.88 66.38

0.00 0.00 0.00 27.88 66.380.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.32 0.00 0.00

0.00 0.00 0.32 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

190


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Bank of Boston

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

650.91 728.24 662.89 817.49 896.23

647.86 727.73 659.22 817.49 896.23

645.50 725.48 657.08 815.40 894.310.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.002.36 2.26 2.14 2.09 1.920.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

3.05 0.50 3.67 0.00 0.00

3.05 0.50 3.67 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

369.35 355.27 282.33 253.34 394.72

369.35 355.27 282.33 253.34 394.72

366.99 353.01 280.19 251.26 392.800.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.002.36 2.26 2.14 2.09 1.920.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

191


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Bank of Boston

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

612.07 663.74 749.07 651.37 795.62

498.12 552.80 599.95 500.07 629.43

46.40 55.64 31.58 50.07 48.08

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

67.54 55.29 117.55 101.22 118.11

0.00 0.00 0.00 0.00 0.00

2.43 2.37 2.33 2.27 2.20

2.43 2.37 2.33 2.27 2.20

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

192



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Bank of Boston

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,264.60 1,366.08 3,170.42 4,609.33 1,934.76

51.48 59.65 123.43 90.89 90.9538.11 45.74 74.56 78.25 68.9213.37 13.91 48.87 12.64 22.03

259.71 524.26 2,548.56 4,380.95 1,487.110.00 0.00 0.00 0.00 0.00

140.60 108.67 288.44 274.12 154.51119.11 415.59 2,260.11 4,106.83 1,332.60

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

953.41 782.17 498.32 136.66 356.45946.23 777.53 497.74 124.29 241.45

7.17 4.64 0.00 12.38 115.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.58 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.11 0.83 0.26

0.00 0.00 0.11 0.83 0.26

1,075.24 914.67 869.49 371.23 402.46

46.68 47.01 140.05 80.10 67.0939.09 40.22 95.17 71.18 58.43

7.59 6.79 44.87 8.92 8.6582.34 90.13 231.70 198.79 94.85

0.00 0.00 0.00 0.00 0.0082.34 90.13 231.70 198.79 94.85

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

946.23 777.53 497.74 92.34 240.52946.23 777.53 497.74 92.34 240.52

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

193


Concepto








Margen financiero















Resultado Neto

Bank of Boston

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

60.95 61.16 80.90 101.22 304.23 138.21

25.33 29.45 30.97 30.87 116.62 37.8125.29 29.41 30.93 30.83 116.46 37.77

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.04 0.04 0.04 0.04 0.16 0.040.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

14.99 12.98 23.17 22.27 73.41 23.0612.93 16.51 23.56 46.26 99.26 16.70

0.56 0.00 0.00 (0.00) 0.56 0.007.15 2.22 3.21 1.81 14.38 5.310.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 55.320.00 0.00 0.00 0.00 0.00 0.00

63.90 57.49 105.67 206.78 433.84 124.70

31.26 49.18 79.05 210.11 369.60 108.280.58 0.54 0.83 0.90 2.85 0.87

17.04 35.69 67.42 206.32 326.47 102.430.00 0.00 0.00 0.00 0.00 0.00

13.64 12.95 10.81 2.89 40.29 4.980.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.007.98 12.44 22.65 11.71 54.78 16.420.00 0.00 0.00 0.00 0.00 0.00

24.66 (4.14) 3.96 (15.04) 9.45 0.00

(8.95) (3.55) (3.17) (3.36) (19.03) (4.74)

(11.90) 0.12 (27.94) (108.93) (148.64) 8.77

0.13 0.00 (0.00) (0.00) 0.12 0.00

(12.03) 0.12 (27.94) (108.92) (148.76) 8.77

9.42 12.53 11.07 11.61 44.62 12.034.61 19.70 45.07 127.11 196.49 9.37

2.00 32.35 28.20 29.79 92.35 30.17

18.83 21.26 27.84 38.97 106.89 31.6910.30 11.96 14.63 23.61 60.50 18.08

7.77 8.55 11.99 11.29 39.60 11.630.76 0.76 1.22 4.07 6.80 1.98

(16.83) 11.09 0.37 (9.17) (14.54) (1.53)

0.51 1.83 2.08 3.93 8.35 0.57

(16.32) 12.92 2.44 (5.24) (6.20) (0.95)

0.00 0.00 0.00 1.29 1.29 0.220.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(16.32) 12.92 2.44 (6.53) (7.49) (1.18)

0.00 0.00 0.00 0.00 0.00 0.00

(16.32) 12.92 2.44 (6.53) (7.49) (1.18)

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(16.32) 12.92 2.44 (6.53) (7.49) (1.18)

194






















Bank of Boston

317.87 0.00 0.00 3.47 (92.17) 0.00 0.00 0.00 1.00 (7.26) 0.00 222.92

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 (7.26) 0.00 0.00 0.00 0.00 7.26 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 (1.18) 0.00 (1.18)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.57

9.64 0.00 0.00 0.11 (3.16) 0.00 0.00 0.00 0.03 0.00 0.00 6.63

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

328.09 0.00 0.00 3.58 (102.59) 0.00 0.00 0.00 1.03 (1.18) 0.00 228.94

195



Concepto















Bank of Boston

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

(16.32) (3.40) (0.96) (7.49) (1.18)

0.70 1.45 2.23 6.80 1.980.11 0.11 (0.12) 0.12 0.00

(5.49) (3.13) (5.18) 0.00 0.008.18 11.82 (0.00) 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

181.01 307.34 2,024.94 0.00 0.00(79.07) (169.51) (58.49) (217.21) (78.48)

0.00 0.00 0.00 0.00 0.00(373.86) (62.01) (534.81) (1,030.25) 401.52

0.00 0.00 0.71 0.00 0.00

(284.74) 82.67 1,428.32 (1,248.02) 323.84

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 (758.77) 219.740.00 0.00 0.00 0.00 1,363.830.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(9.06) (10.05) 0.00 4,217.56 (4,276.01)

(9.06) (10.05) 0.00 3,458.80 (2,692.43)

(1.60) (5.22) (10.87) (13.49) (1.44)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(3.21) (5.22) (14.16) (15.91) (0.95)

(297.01) 67.39 1,414.15 2,194.87 (2,369.54)

680.32 664.72 719.06 714.10 2,909.89

383.31 732.11 2,133.22 2,908.97 540.35

196


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Del Bajío

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

3,676.54 3,700.49 3,547.90 4,176.62 3,687.58

725.65 585.24 774.88 710.59 886.2318.39 120.78 393.91 1,035.85 452.9317.39 46.70 19.74 18.45 19.38

0.00 0.00 0.00 0.00 0.000.70 0.00 0.00 0.00 0.02

2,741.89 2,732.70 2,060.63 2,099.88 2,023.6744.15 80.89 199.96 163.87 154.77

(46.84) (62.57) (99.45) (108.25) (104.54)63.42 82.67 44.32 39.66 38.6568.28 70.13 109.02 132.44 135.85

7.16 7.00 6.86 46.16 44.7511.77 12.58 12.34 12.04 11.67

0.00 0.00 0.00 0.00 0.0024.56 24.37 25.69 25.94 24.21

0.00 0.00 0.00 0.00 0.00

3,216.68 3,231.64 3,087.25 3,708.00 3,214.09

446.59 430.39 583.23 705.13 666.85939.67 915.78 775.35 1,406.90 788.00

0.00 0.00 0.00 0.00 0.001,727.60 1,745.78 1,622.58 1,513.14 1,677.28

22.61 42.58 16.90 13.71 14.670.00 0.00 0.46 0.45 0.570.00 1.72 0.92 2.53 0.00

10.95 9.01 10.29 9.98 8.6269.27 86.38 77.51 56.15 58.10

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

459.86 468.85 460.65 468.62 473.49

457.96 457.33 460.93 461.20 461.20418.22 417.64 421.16 421.31 421.31

39.74 39.68 39.77 39.88 39.880.00 0.00 0.00 0.00 0.001.90 11.53 (0.28) 7.42 12.29

149.30 196.83 197.20 197.33 197.3343.48 0.00 0.08 0.00 20.31

(0.01) 0.01 (0.01) (0.01) (0.01)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(205.82) (208.61) (209.68) (210.22) (209.89)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

14.94 23.29 12.13 20.31 4.54

0.00 0.00 0.00 0.00 0.0088.29 86.27 84.60 87.67 85.00

113.15 139.00 140.59 153.30 100.550.00 605.93 602.10 686.10 670.28

126.40 285.81 244.05 398.93 290.6684.01 247.11 84.11 116.87 209.26

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

197



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Del Bajío

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

18.39 120.78 393.91 1,035.85 452.93

8.51 109.26 380.71 1,021.77 437.488.51 109.26 380.71 1,021.77 437.488.51 1.43 0.03 0.62 0.880.00 107.83 380.68 1,021.15 436.600.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

9.89 11.52 13.19 14.08 15.459.89 11.52 13.19 14.08 15.459.89 11.52 13.19 14.08 15.450.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

17.39 46.70 19.74 18.45 19.382,574.22 2,785.75 2,916.31 2,946.50 2,661.272,556.83 2,739.04 2,896.57 2,928.05 2,641.89

22.61 42.58 16.90 13.71 14.671,346.97 1,644.97 1,634.81 2,040.53 1,504.671,324.36 1,602.39 1,617.91 2,026.82 1,490.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.69 0.00 0.00 0.00 0.02

0.69 0.00 0.00 0.00 0.020.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 1.72 0.92 2.53 0.00

0.00 1.72 0.92 2.53 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00


198


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Del Bajío

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,786.04 2,813.59 2,260.59 2,263.75 2,178.43

2,741.89 2,732.70 2,060.63 2,099.88 2,023.67

2,668.10 2,659.47 1,988.06 2,029.71 1,948.415.80 6.44 6.58 4.72 11.350.09 0.05 0.04 0.09 0.180.00 0.00 0.00 0.00 0.00

67.89 66.73 65.96 65.35 63.720.00 0.00 0.00 0.00 0.00

44.15 80.89 199.96 163.87 154.77

44.15 80.89 199.96 163.87 154.770.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

828.46 728.00 686.80 706.52 646.36

827.46 715.32 555.66 575.43 521.34

827.46 715.34 555.66 575.43 521.340.00 (0.02) 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.99 12.69 131.14 131.09 125.02

0.99 12.69 131.14 131.09 125.020.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

41.50 41.19 40.87 40.91 40.21

41.50 41.19 40.87 40.91 40.21

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

41.50 41.19 40.87 40.91 40.21

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

199


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Del Bajío

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

3,319.41 2,832.70 2,895.46 2,342.15 2,343.33

1,698.13 1,959.84 2,078.06 1,625.26 1,737.65

1,435.50 600.69 518.57 428.23 298.47

156.03 242.93 165.68 162.56 161.81

0.74 0.71 101.31 97.80 96.00

0.00 0.00 1.88 0.00 0.00

0.00 0.00 29.96 28.30 49.40

29.02 28.53 0.00 0.00 0.00

46.84 62.57 99.45 108.25 104.54

12.96 6.01 4.60 4.69 4.55

32.59 56.14 20.65 19.21 18.21

0.46 0.42 60.99 58.68 56.89

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.83 0.00 13.22 25.66 24.88

200



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Del Bajío

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

3,113.86 3,091.95 2,981.75 3,625.18 3,146.80

446.59 430.39 583.23 705.13 666.85405.56 383.77 531.69 650.74 608.55

41.03 46.62 51.54 54.40 58.31939.67 915.78 775.35 1,406.90 788.00

0.00 0.00 0.00 0.00 0.0070.58 58.45 45.15 90.31 91.05

869.09 857.33 730.21 1,316.59 696.960.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

1,727.60 1,745.78 1,623.16 1,513.14 1,677.28188.97 182.27 189.62 283.69 342.41279.46 194.10 285.51 139.25 264.62

1,244.54 1,369.41 1,147.45 1,089.46 1,070.240.00 0.00 0.00 0.00 0.00

14.63 (0.00) 0.58 0.74 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 14.67

0.00 0.00 0.00 0.00 14.67

1,051.43 793.79 720.10 751.99 665.13

74.00 79.17 110.44 119.49 105.9574.00 79.17 110.44 118.98 105.47

0.00 0.00 0.00 0.51 0.4944.33 13.05 13.79 66.10 68.75

0.00 0.00 0.00 0.00 0.0044.33 13.05 13.79 66.10 68.75

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

933.10 701.57 595.87 566.40 490.43154.20 149.68 157.73 137.76 132.05147.03 0.00 0.00 0.00 0.00623.75 551.90 438.14 425.82 358.39

0.00 0.00 0.00 0.00 0.008.12 (0.00) (0.00) 2.82 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

201


Concepto








Margen financiero















Resultado Neto

Del Bajío

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

404.18 296.64 299.41 265.43 1,265.66 261.99

221.29 163.86 129.12 99.44 613.71 93.86214.40 157.18 124.90 96.84 593.32 88.53

5.46 5.20 2.62 1.06 14.34 3.900.65 0.71 0.83 0.77 2.95 0.680.00 0.00 0.00 0.00 0.00 0.000.78 0.77 0.77 0.76 3.09 0.760.00 0.00 0.00 0.00 0.00 0.00

171.64 122.78 155.93 152.87 603.21 154.5511.26 10.00 14.37 13.11 48.74 13.58

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

332.71 235.46 249.52 217.90 1,035.59 222.45

74.92 54.73 58.60 57.96 246.21 77.4716.15 13.68 15.43 18.19 63.45 17.27

2.80 1.98 2.30 1.65 8.73 1.9832.06 26.92 23.29 29.37 111.63 39.0923.92 12.14 17.58 8.75 62.39 19.14

0.00 0.00 0.00 0.00 0.00 0.0059.46 48.46 49.59 34.76 192.27 33.98

198.33 132.27 141.34 125.18 597.11 111.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(17.15) (7.92) (7.37) (8.18) (40.62) (9.33)

54.32 53.26 42.53 39.34 189.45 30.22

2.96 16.84 40.35 19.26 79.41 0.48

51.36 36.41 2.18 20.09 110.04 29.74

1.68 2.92 2.17 2.57 9.34 3.3412.18 12.88 21.93 19.88 66.86 15.19

65.22 52.21 26.27 42.54 186.24 48.27

42.34 48.55 52.40 49.96 193.24 53.7419.77 21.13 22.28 20.72 83.90 25.1117.48 22.79 25.31 25.05 90.63 23.27

5.09 4.63 4.81 4.20 18.71 5.36

22.89 3.66 (26.13) (7.42) (7.00) (5.47)

3.16 12.16 13.46 15.81 44.60 14.17

26.05 15.82 (12.67) 8.39 37.60 8.70

13.05 7.62 (3.00) 0.25 17.92 5.211.94 0.14 (1.50) 0.04 0.63 1.050.00 0.00 0.00 0.00 0.00 0.00

14.94 8.34 (11.16) 8.18 20.31 4.55

0.00 0.00 (0.00) (0.00) 0.00 0.00

14.94 8.34 (11.16) 8.18 20.31 4.55

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

14.94 8.34 (11.16) 8.18 20.31 4.55

202


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Del Bajío

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

3,676.91 3,699.83 3,547.26 4,175.75 3,686.77

725.65 585.24 774.88 710.59 886.2318.39 120.78 393.91 1,035.85 452.9317.39 46.70 19.74 18.45 19.38

0.00 0.00 0.00 0.00 0.000.70 0.00 0.00 0.00 0.02

2,741.89 2,732.70 2,060.63 2,099.88 2,023.6744.15 80.89 199.96 163.87 154.77

(46.84) (62.57) (99.45) (108.25) (104.54)63.54 82.85 44.54 39.66 38.7180.30 81.83 120.47 143.58 146.62

7.16 7.00 6.86 46.16 44.750.01 0.03 0.03 0.03 0.030.00 0.00 0.00 0.00 0.00

24.56 24.37 25.69 25.94 24.21

0.00 0.00 0.00 0.00 0.00

3,213.75 3,228.48 3,083.75 3,704.27 3,210.14

446.57 430.28 583.13 705.13 666.85936.72 912.67 771.93 1,403.11 784.02

0.00 0.00 0.00 0.00 0.001,727.60 1,745.78 1,622.58 1,513.14 1,677.28

22.61 42.58 16.90 13.71 14.670.00 0.00 0.46 0.45 0.570.00 1.72 0.92 2.53 0.00

10.95 9.01 10.29 9.98 8.6269.30 86.44 77.54 56.22 58.12

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

463.16 471.35 463.51 471.48 476.63

458.39 457.94 461.53 461.78 462.82418.65 418.26 421.76 421.90 422.94

39.74 39.68 39.77 39.88 39.880.00 0.00 0.00 0.00 0.004.77 13.42 1.98 9.70 13.81

149.30 196.83 197.20 197.33 197.3343.48 0.00 0.08 0.00 20.31

(0.01) 0.01 (0.01) (0.01) (0.01)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(205.82) (208.61) (209.68) (210.22) (209.89)0.00 0.00 0.00 0.00 0.002.54 1.22 1.23 1.21 1.20

15.28 23.96 13.15 21.38 4.86

0.00 0.00 0.00 0.00 0.0088.29 86.27 84.60 87.67 85.00

113.15 139.00 140.59 153.30 100.550.00 605.93 602.10 686.10 670.28

126.40 285.81 244.05 398.93 290.6684.01 247.11 84.11 116.87 209.26

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

203


Concepto




Margen financiero
















Resultado Neto

Del Bajío

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

404.18 296.64 299.41 265.43 1,265.66 261.99

332.51 235.32 249.35 217.76 1,034.95 222.30

(17.15) (7.92) (7.37) (8.18) (40.62) (9.33)

54.52 53.39 42.70 39.48 190.10 30.37

2.96 16.84 40.35 19.26 79.41 0.48

51.56 36.55 2.34 20.23 110.68 29.89

1.68 2.92 2.17 2.57 9.34 3.34

12.18 12.88 21.93 19.88 66.86 15.19

65.42 52.34 26.44 42.68 186.89 48.42

42.13 48.36 52.18 49.75 192.42 53.5419.77 21.13 22.28 20.72 83.90 25.1117.21 22.60 25.06 24.75 89.62 23.05

5.15 4.62 4.84 4.28 18.90 5.39

23.29 3.99 (25.74) (7.07) (5.53) (5.12)

3.16 12.16 13.46 15.82 44.59 14.17

26.45 16.14 (12.28) 8.75 39.06 9.04

13.05 7.62 (3.00) 0.25 17.92 5.211.94 0.14 (1.50) (0.26) 0.33 1.050.00 0.00 0.00 0.00 0.00 0.00

15.35 8.66 (10.77) 8.23 21.47 4.89

0.00 0.00 (0.00) (0.00) 0.00 0.00

15.35 8.67 (10.77) 8.23 21.47 4.89

0.00 0.00 0.00 0.00 0.00 0.00

(0.07) 0.01 (0.03) (0.00) (0.09) (0.03)

15.28 8.68 (10.80) 8.23 21.38 4.86

204






















Del Bajío

409.03 38.67 0.00 191.31 0.00 (0.01) 0.00 0.00 (203.80) 20.73 1.17 457.10

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 20.17 0.00 0.00 0.00 0.00 (20.73) (1.17) (1.73)

0.00 0.00 0.00 0.00 (0.00) 0.00 0.00 0.00 0.00 0.00 0.00 (0.00)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.88 0.00 3.88

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13.91 1.22 0.00 6.02 0.15 0.00 0.00 0.00 (6.08) 0.98 0.00 16.18

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.20 1.20

422.94 39.88 0.00 197.33 20.31 (0.01) 0.00 0.00 (209.89) 4.86 1.20 476.63

205



Concepto















Del Bajío

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

15.28 23.96 13.15 21.38 4.86

3.50 9.43 14.61 18.90 5.382.91 19.81 60.16 79.41 0.48

25.85 5.07 15.46 4.29 (0.24)18.18 (4.24) 0.00 0.00 0.00(1.94) (4.49) (0.59) (0.71) (1.05)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(116.98) (229.69) (221.17) 531.64 (657.37)417.58 551.99 1,105.23 1,093.04 81.13

0.00 0.00 0.00 0.00 0.00119.98 (93.62) (366.68) (1,008.60) 584.45(0.82) 7.69 24.09 18.63 2.79

483.55 285.90 644.27 757.98 20.42

0.00 0.00 0.00 0.00 0.000.56 66.50 (60.52) (170.37) 164.140.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.03 0.00 2.57 1.56 (1.23)0.00 (17.84) (16.94) (17.24) (2.40)

0.60 48.66 (74.89) (186.05) 160.51

(12.01) (4.54) (62.17) (128.84) (7.02)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(1.16) 0.00 0.40 0.00 1.73

(13.16) 1.85 (61.77) (128.68) (5.29)

470.98 336.41 507.61 443.25 175.64

254.67 248.83 267.27 267.34 710.59

725.65 585.24 774.88 710.58 886.23

206


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden



I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,603.25 2,311.59 2,637.18 3,861.45 2,015.41

275.91 588.49 1,242.78 2,465.77 444.89527.01 869.57 378.22 256.60 498.45

2.68 3.66 3.56 7.92 5.750.00 0.00 0.00 0.00 0.001.52 0.00 0.00 0.00 0.48

633.32 684.32 838.09 964.76 902.250.08 0.30 5.77 0.58 3.55

(7.18) (8.53) (9.25) (9.41) (9.72)1.76 4.51 8.93 11.34 8.56

11.81 11.89 11.40 11.76 11.670.00 0.00 0.00 0.00 0.00

140.36 140.53 141.42 139.51 140.937.14 7.14 7.15 4.04 0.678.82 9.72 9.13 8.58 7.93

0.00 0.00 0.00 0.00 0.00

894.12 1,589.29 1,907.81 3,126.20 1,285.82

188.59 165.18 159.40 199.33 180.98191.72 881.48 1,249.71 2,532.87 378.70

0.00 0.00 0.00 0.00 0.00473.17 496.21 438.36 305.84 540.62

0.13 3.49 3.38 0.97 99.610.00 0.00 0.00 0.00 0.000.00 0.57 5.99 15.69 0.000.00 0.00 0.00 0.00 0.00

40.49 42.32 50.98 71.40 85.630.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.02 0.04 0.00 0.10 0.29

709.13 722.30 729.37 735.25 729.60

762.03 761.65 763.28 762.18 759.66762.03 761.65 763.28 762.18 759.66

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(52.90) (39.35) (33.91) (26.93) (30.06)180.16 179.88 180.10 180.61 210.37(5.40) (5.32) (5.25) (4.44) (2.37)

0.52 0.30 (0.03) 0.28 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 3.73

(234.10) (231.21) (234.00) (235.96) (238.95)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.005.93 17.01 25.28 32.59 (2.84)

9.71 13.05 14.26 17.45 478.81808.77 828.06 830.46 864.06 898.71

64.63 104.37 46.65 76.00 47.123,702.72 3,961.50 4,322.56 4,930.04 4,949.581,180.95 1,118.47 1,207.54 1,118.03 1,513.561,627.51 1,647.41 929.57 647.27 794.15

0.00 0.00 0.00 0.00 0.00120.69 155.98 2,220.68 2,441.13 7.52

207



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto










I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

527.01 869.57 378.22 256.60 498.45

91.82 564.74 300.62 94.03 498.4591.82 564.74 300.62 94.03 498.45

0.00 1.65 0.00 0.00 143.4891.82 563.09 300.62 94.03 354.97

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

435.19 304.83 77.59 162.58 0.00435.19 304.83 77.59 162.58 0.00

33.55 33.69 32.03 53.97 0.00401.64 271.15 45.56 108.61 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2.68 3.66 3.56 7.92 5.751,200.34 1,527.69 1,705.11 1,982.88 1,305.831,197.66 1,524.03 1,701.55 1,974.96 1,405.44

0.13 3.49 3.38 0.97 99.61605.04 125.40 403.11 93.74 750.68604.91 121.90 399.73 92.77 756.44

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

1.52 0.00 0.00 0.00 0.48

1.52 0.00 0.00 0.00 0.480.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.57 5.99 15.69 0.00

0.00 0.57 5.99 15.69 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

208


Concepto


Cartera vigente





Cartera vigente





Cartera vigente





I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

633.41 684.62 843.86 965.34 905.80

633.32 684.32 838.09 964.76 902.25

632.80 683.80 837.58 964.26 901.770.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.53 0.52 0.51 0.50 0.480.00 0.00 0.00 0.00 0.00

0.08 0.30 5.77 0.58 3.55

0.08 0.30 5.77 0.58 3.550.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

451.33 457.90 574.10 663.78 657.93

451.33 457.89 574.05 663.78 654.97

451.33 457.89 574.05 663.78 654.970.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.01 0.04 0.00 2.96

0.00 0.01 0.04 0.00 2.960.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

209


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable




I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

703.23 691.52 786.51 882.53 1,026.48

507.29 501.94 555.67 670.62 824.45

194.74 189.01 229.62 203.39 197.09

0.00 0.00 0.00 0.00 3.06

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

1.21 0.57 1.22 8.02 1.40

0.00 0.00 0.00 0.50 0.48

7.18 8.53 9.25 9.41 9.72

1.89 1.91 2.27 2.05 1.94

0.00 0.00 0.00 0.00 0.60

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

5.29 6.62 6.98 7.35 7.18

210



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/




I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

853.60 1,542.87 1,848.05 3,038.04 1,199.90

188.59 165.18 159.40 199.33 180.9883.71 136.54 142.09 195.08 163.53

104.88 28.64 17.31 4.25 17.45191.72 881.48 1,249.71 2,532.87 378.70

0.00 0.00 0.00 0.00 0.00147.34 108.31 115.30 344.54 356.56

44.38 773.17 1,134.40 2,188.33 22.140.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

473.17 496.21 438.94 305.84 540.61210.62 0.02 438.36 173.19 419.92262.55 496.19 0.00 132.65 120.70

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.58 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.13 0.00 0.00 0.00 99.60

0.13 0.00 0.00 0.00 99.60

723.99 696.52 615.11 608.41 1,088.32

103.84 92.34 61.78 91.09 92.2384.82 68.31 46.42 89.11 80.0919.02 24.03 15.37 1.97 12.13

146.99 107.97 114.97 344.13 356.160.00 0.00 0.00 0.00 0.00

146.98 107.97 114.97 344.13 356.160.01 0.01 0.01 0.01 0.010.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

473.17 496.21 438.36 173.19 540.61210.62 0.02 438.36 173.19 419.92262.55 496.19 0.00 0.00 120.70

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 99.32

0.00 0.00 0.00 0.00 99.32

211


Concepto








Margen financiero















Resultado Neto


I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

152.67 136.20 133.12 165.84 587.83 128.36

25.82 24.38 24.62 31.60 106.41 28.2825.82 24.24 24.59 31.58 106.23 28.26

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.14 0.02 0.02 0.18 0.020.00 0.00 0.00 0.00 0.00 0.00

83.67 78.13 82.78 84.84 329.42 66.895.36 9.03 12.62 32.51 59.53 14.680.11 (0.00) 0.72 (0.00) 0.83 0.04

37.70 24.67 12.38 16.89 91.63 18.470.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

118.21 103.59 115.37 184.27 521.43 114.20

49.24 41.03 38.73 102.72 231.72 37.868.70 6.56 5.74 5.37 26.36 4.61

34.46 26.95 27.18 85.83 174.43 24.950.00 0.00 0.00 0.00 0.00 0.006.08 7.52 5.80 11.53 30.92 8.300.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

68.97 62.56 76.64 81.54 289.71 76.340.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(22.05) (10.06) (13.29) (13.38) (58.78) (17.46)

12.41 22.56 4.46 (31.80) 7.62 (3.29)

1.38 1.55 1.01 0.25 4.18 0.81

11.03 21.01 3.45 (32.05) 3.44 (4.10)

1.93 3.02 2.45 4.37 11.77 2.7917.59 14.29 24.46 77.05 133.39 20.18

30.55 38.32 30.36 49.37 148.60 18.87

20.02 32.32 22.26 21.04 95.64 25.0310.05 21.80 10.71 6.29 48.84 11.35

8.65 9.31 10.34 13.53 41.83 12.421.32 1.21 1.21 1.22 4.97 1.27

10.54 6.00 8.10 28.33 52.96 (6.16)

(3.51) 3.56 3.27 (0.48) 2.85 4.64

7.03 9.56 11.36 27.85 55.81 (1.53)

2.46 (1.28) 3.61 16.87 21.66 0.000.00 0.00 0.00 (2.60) (2.60) (3.25)0.00 0.00 0.00 0.00 0.00 0.00

4.57 10.84 7.76 8.38 31.55 (4.78)

1.36 0.23 0.51 (1.07) 1.04 1.94

5.93 11.07 8.27 7.31 32.59 (2.84)

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

5.93 11.07 8.27 7.31 32.59 (2.84)

212


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden



I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,605.29 2,313.23 2,638.73 3,862.58 2,017.07

275.92 588.50 1,242.78 2,465.77 444.89527.01 869.57 378.22 256.60 498.45

3.24 3.66 3.56 7.92 5.750.00 0.00 0.00 0.00 0.001.52 0.00 0.00 0.00 0.48

615.82 667.99 822.30 952.20 891.950.08 0.30 5.77 0.58 3.55

(7.18) (8.53) (9.25) (9.41) (9.72)2.38 4.62 9.04 10.21 7.81

158.53 158.22 157.94 155.31 154.860.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

19.15 19.18 19.26 14.82 11.118.82 9.72 9.13 8.58 7.93

0.00 0.00 0.00 0.00 0.00

896.02 1,590.79 1,909.21 3,127.19 1,287.33

188.52 165.03 159.19 198.85 180.65191.72 881.48 1,249.71 2,532.87 378.70

0.00 0.00 0.00 0.00 0.00473.17 496.21 438.36 305.84 540.62

0.13 3.49 3.38 0.97 99.610.00 0.00 0.00 0.00 0.000.00 0.57 5.99 15.69 0.000.00 0.00 0.00 0.00 0.00

42.46 43.98 52.59 72.87 87.480.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.02 0.04 0.00 0.10 0.29

709.27 722.44 729.51 735.39 729.74

762.03 761.65 763.28 762.18 759.66762.03 761.65 763.28 762.18 759.66

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(52.76) (39.21) (33.77) (26.79) (29.92)180.16 179.88 180.10 180.61 210.37(5.40) (5.32) (5.25) (4.44) (2.37)

0.52 0.30 (0.03) 0.28 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 3.73

(234.10) (231.21) (234.00) (235.96) (238.95)0.00 0.00 0.00 0.00 0.000.14 0.14 0.14 0.14 0.145.93 17.01 25.28 32.59 (2.84)

9.71 13.05 14.26 17.45 478.81808.77 828.06 830.46 864.06 898.71

64.63 104.37 46.65 76.00 47.123,702.72 3,961.50 4,322.56 4,930.04 4,949.581,180.95 1,118.47 1,207.54 1,118.03 1,513.561,627.51 1,647.41 929.57 647.27 794.15

0.00 0.00 0.00 0.00 0.00120.69 155.98 2,220.68 2,441.13 7.52

Consolidado con SUBSIDIARIAS

213


Concepto




Margen financiero
















Resultado Neto


I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

152.25 135.83 132.78 165.43 586.29 128.06

118.19 103.55 115.38 184.19 521.31 114.16

(21.08) (9.68) (12.94) (13.02) (56.71) (17.10)

12.98 22.60 4.47 (31.79) 8.26 (3.20)

1.38 1.55 1.01 0.25 4.18 0.81

11.60 21.05 3.46 (32.03) 4.08 (4.01)

1.93 3.02 2.45 4.35 11.74 2.79

18.17 14.29 24.67 76.80 133.94 20.44

31.71 38.36 30.58 49.12 149.76 19.22

21.31 33.62 23.33 21.74 100.00 25.3610.05 21.80 10.71 6.29 48.84 11.35

9.64 10.23 11.22 13.89 44.98 12.441.62 1.60 1.40 1.56 6.18 1.57

10.40 4.73 7.25 27.38 49.76 (6.14)

(1.23) 5.82 5.39 1.33 11.31 7.28

9.17 10.55 12.63 28.71 61.07 1.14

3.24 (0.52) 4.36 17.50 24.58 0.730.00 0.00 0.00 (3.90) (3.90) (3.25)0.00 0.00 0.00 0.00 0.00 0.00

5.93 11.07 8.27 7.31 32.59 (2.84)

0.00 0.00 0.00 0.00 0.00 0.00

5.93 11.07 8.27 7.31 32.59 (2.84)

0.00 0.00 0.00 0.00 0.00 0.00

(0.00) 0.00 (0.00) 0.00 (0.00) (0.00)

5.93 11.07 8.27 7.31 32.59 (2.84)


214























738.93 0.00 0.00 175.10 27.30 0.27 0.00 0.00 (228.77) 0.00 0.14 712.82

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 31.60 (31.60) 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11.80 0.00 11.80

0.00 0.00 0.00 0.00 0.00 (0.27) 0.00 0.00 0.00 0.00 0.00 (0.27)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.54 0.00 0.00 0.54

20.73 0.00 0.00 3.67 1.93 0.00 0.00 0.00 (26.33) (14.64) 0.00 (14.64)

0.00 0.00 0.00 0.00 0.00 0.00 3.73 0.00 15.60 0.00 0.01 19.34

759.66 0.00 0.00 210.37 (2.37) 0.00 3.73 0.00 (238.95) (2.84) 0.14 729.59

215



Concepto
















I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

5.93 17.01 25.28 32.59 (2.84)

1.32 3.22 4.62 6.18 1.571.38 2.92 3.93 4.18 0.812.46 2.72 7.08 24.58 0.73

(3.11) (3.15) 7.30 (8.27) (6.10)0.00 0.00 0.00 3.90 3.25

(1.36) 0.00 0.00 0.00 (0.00)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(338.63) 327.99 704.28 2,012.71 (157.39)47.39 7.48 (165.56) (276.92) (218.09)0.00 0.00 0.00 0.00 0.00

(17.70) (357.78) 128.77 263.86 105.24(15.46) (12.85) (9.75) (7.74) 68.03

(317.79) (12.43) 705.96 2,055.07 (204.81)

0.00 0.00 0.00 0.00 0.00468.21 491.25 433.50 300.88 535.67

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

468.21 491.25 433.50 300.88 535.67

1.92 (13.88) (17.85) (13.82) (9.23)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

1.92 (13.88) (17.85) (13.82) (9.23)

152.34 464.95 1,121.61 2,342.13 321.64

123.58 123.56 121.16 123.64 123.25

275.92 588.50 1,242.78 2,465.77 444.89

216


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Mifel

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,822.31 3,202.15 3,366.59 3,637.54 3,228.90

484.65 519.93 422.15 499.23 425.2691.36 90.72 86.88 85.80 46.1111.09 10.84 13.95 13.62 12.16

0.00 0.00 0.00 0.00 0.0019.24 9.34 6.21 10.51 12.68

2,055.93 2,418.03 2,701.34 2,940.24 2,599.9422.86 22.90 21.55 19.00 23.39

(50.77) (49.62) (65.70) (106.87) (68.07)34.34 21.34 25.55 24.27 25.8049.66 57.23 56.80 56.33 54.89

103.64 101.27 97.76 95.35 95.300.08 0.08 0.08 0.07 0.070.00 0.00 0.00 0.00 0.000.21 0.10 0.02 0.00 1.35

0.00 0.00 0.00 0.00 0.00

2,446.05 2,822.40 2,984.90 3,253.55 2,844.00

573.44 623.63 606.10 633.55 698.181,204.43 1,462.93 1,498.08 1,646.98 974.73

0.00 1.02 21.78 43.54 59.97592.00 663.02 710.52 742.77 942.47

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 1.27 0.000.00 0.00 0.00 0.00 0.00

64.33 69.79 148.41 179.20 163.420.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

11.84 2.01 0.00 6.24 5.23

376.26 379.75 381.69 383.99 384.90

451.47 450.23 449.88 454.34 454.33451.47 450.23 449.88 454.34 454.33

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(75.21) (70.48) (68.19) (70.34) (69.44)11.07 11.00 10.99 11.10 11.10

149.48 148.45 148.34 149.81 158.08

0.91 1.07 1.14 1.33 1.350.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(237.42) (235.10) (234.60) (239.14) (240.32)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.76 4.11 5.95 6.56 0.36

0.00 0.00 0.00 0.00 0.0055.18 53.92 78.25 76.33 74.00

404.49 368.17 245.27 168.50 186.4887.89 85.87 252.25 412.99 667.82

1,414.10 1,761.93 1,707.76 1,786.10 1,063.20979.66 748.54 717.00 832.54 427.52

0.00 0.00 0.00 0.00 0.00611.96 509.24 298.33 208.79 142.37

217



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Mifel

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

91.36 90.72 86.88 85.80 46.11

18.77 17.89 16.96 15.65 31.7718.77 17.89 16.96 15.65 16.5111.86 11.15 10.43 10.19 11.89

6.91 6.75 6.53 5.46 4.620.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 15.26

5.33 5.38 5.37 5.46 5.350.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.005.33 5.38 5.37 5.46 5.35

67.26 67.45 64.55 64.69 8.9910.07 11.57 9.76 11.24 8.99

9.58 9.70 8.29 8.46 6.710.49 0.00 0.00 0.00 0.000.00 1.87 1.47 2.79 2.28

57.19 55.88 54.80 53.45 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

11.47 10.84 13.95 13.62 12.163,627.38 3,453.31 4,889.17 4,672.41 6,053.643,615.92 3,442.47 4,875.22 4,658.78 6,041.47

0.37 0.00 0.00 0.00 0.00585.83 844.33 713.79 364.22 1,978.00585.46 844.33 713.79 364.22 1,978.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

19.24 9.34 6.21 10.51 12.68

19.24 9.34 6.21 10.51 12.680.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 1.26 0.00

0.00 0.00 0.00 1.26 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

218


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Mifel

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,078.80 2,440.93 2,722.89 2,959.24 2,623.33

2,055.93 2,418.03 2,701.34 2,940.24 2,599.94

1,737.58 2,017.28 2,330.49 2,511.04 2,190.73278.48 361.76 366.47 423.93 404.08

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

39.88 39.00 4.39 5.27 5.120.00 0.00 0.00 0.00 0.00

22.86 22.90 21.55 19.00 23.39

22.86 22.90 21.55 19.00 23.390.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

570.89 646.68 855.34 990.73 954.46

570.88 646.67 853.23 990.71 953.88

568.00 644.73 851.16 989.74 953.032.47 1.54 1.67 0.59 0.480.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.41 0.40 0.39 0.39 0.360.00 0.00 0.00 0.00 0.00

0.01 0.02 2.11 0.02 0.58

0.01 0.02 2.11 0.02 0.580.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

6.33 5.16 3.97 2.79 1.60

6.33 5.16 3.97 2.79 1.60

6.33 5.16 3.97 2.79 1.600.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

219


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Mifel

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,868.08 2,423.31 2,705.14 2,898.28 3,027.06

2,830.10 2,258.87 2,581.03 2,773.32 2,827.32

14.77 129.45 103.58 17.31 79.01

2.22 15.41 2.15 91.17 17.19

20.96 19.55 18.38 16.48 103.54

0.02 0.02 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

50.77 49.62 65.70 106.87 68.07

0.62 1.77 1.51 0.65 1.26

0.44 3.08 0.43 18.24 3.44

12.58 11.73 11.03 9.89 62.12

0.02 0.02 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

37.11 33.01 52.74 78.11 1.24

220



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Mifel

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,369.84 2,750.26 2,837.40 3,066.84 2,675.35

573.44 623.63 606.10 633.55 698.18527.35 571.91 578.84 582.56 669.55

46.09 51.72 27.27 51.00 28.631,204.43 1,462.93 1,498.08 1,646.98 974.73

0.00 0.00 0.00 0.00 0.0027.74 54.02 35.30 88.23 57.10

1,176.69 1,408.90 1,462.78 1,558.76 917.630.00 0.00 0.00 0.00 0.000.00 1.02 21.78 43.54 59.97

591.97 662.67 711.43 742.77 942.47181.92 167.28 126.62 108.23 163.50

22.89 0.00 8.34 45.30 137.78374.85 489.94 572.08 585.11 641.19

0.00 0.00 0.00 0.00 0.009.02 0.00 0.59 0.00 (0.00)3.29 5.45 3.79 4.13 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

667.08 787.12 718.22 782.41 870.17

348.71 364.30 263.97 273.11 280.40302.79 314.00 236.96 222.25 251.92

45.92 50.30 27.01 50.86 28.4827.74 52.40 33.68 85.85 55.47

0.00 0.00 0.00 0.00 0.0027.74 52.40 33.68 85.85 55.47

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 1.02 21.78 43.54 59.97

290.63 370.41 420.57 423.45 534.30181.88 167.25 126.60 108.16 161.03

0.00 0.00 0.00 0.00 0.00106.89 203.16 293.97 311.15 373.26

0.00 0.00 0.00 0.00 0.001.86 0.00 0.00 0.00 0.000.00 0.00 0.00 4.13 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

221


Concepto








Margen financiero















Resultado Neto

Mifel

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

505.78 390.39 347.76 374.31 1,618.23 406.51

146.60 131.52 134.97 124.43 537.53 119.84119.38 104.11 104.29 95.74 423.53 93.86

23.13 26.48 28.81 27.65 106.07 25.730.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.004.10 0.93 1.87 1.04 7.93 0.250.00 0.00 0.00 0.00 0.00 0.00

263.27 191.04 184.69 190.69 829.69 226.5515.42 18.66 14.44 13.54 62.06 15.2819.01 11.42 (25.10) 1.05 6.39 2.0960.80 37.67 38.46 43.81 180.75 41.82

0.66 0.09 0.29 0.77 1.81 0.950.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

469.69 344.29 335.65 329.36 1,478.98 369.92

143.53 115.15 116.11 103.09 477.88 101.3223.99 17.15 16.90 15.88 73.91 17.9380.95 75.11 75.09 64.25 295.39 59.33

0.00 0.00 0.00 0.00 0.00 0.0038.60 22.89 24.13 22.96 108.58 24.06

0.00 0.00 0.00 0.00 0.00 0.000.45 0.26 (0.40) 0.07 0.38 0.37

325.71 228.88 219.93 226.20 1,000.72 268.240.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(15.19) (7.03) (5.34) (7.58) (35.14) (9.71)

20.90 39.07 6.77 37.37 104.11 26.88

0.00 0.00 17.03 42.36 59.39 1.00

20.90 39.07 (10.27) (4.98) 44.71 25.88

5.47 5.52 38.16 28.10 77.26 10.5918.88 10.63 24.90 11.42 65.84 13.58

45.25 55.22 52.80 34.54 187.81 50.05

41.27 45.04 44.45 44.35 175.12 46.9624.39 25.72 24.68 23.05 97.85 26.0415.27 16.88 17.01 18.70 67.87 18.40

1.61 2.44 2.76 2.60 9.40 2.52

3.97 10.18 8.35 (9.82) 12.69 3.09

2.69 2.26 1.50 3.56 10.01 3.63

6.67 12.44 9.85 (6.25) 22.71 6.72

5.91 9.10 8.01 (6.87) 16.15 6.360.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

0.76 3.34 1.84 0.61 6.56 0.36

0.00 0.00 0.00 (0.00) 0.01 0.00

0.76 3.35 1.85 0.61 6.56 0.36

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

0.76 3.35 1.85 0.61 6.56 0.36

222






















Mifel

440.48 0.00 0.00 10.76 145.24 1.29 0.00 0.00 (232.99) 8.02 0.00 372.79

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 8.02 0.00 0.00 0.00 0.00 (8.02) 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.36 0.00 0.36

0.00 0.00 0.00 0.00 0.00 0.06 0.00 0.00 0.00 0.00 0.00 0.06

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13.86 0.00 0.00 0.34 4.82 0.00 0.00 0.00 (7.33) 0.00 0.00 11.69

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

454.33 0.00 0.00 11.10 158.08 1.35 0.00 0.00 (240.32) 0.36 0.00 384.90

223



Concepto















Mifel

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.76 4.11 5.95 6.56 0.36

1.61 4.05 6.80 9.40 2.520.00 0.00 17.06 59.43 1.015.74 4.59 5.05 (3.04) 5.410.00 0.00 (3.32) (3.25) 1.040.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(216.48) 233.03 370.58 658.36 (301.66)354.17 (63.75) (391.73) (685.38) 245.25

0.00 0.00 0.00 0.00 0.0037.51 35.20 36.60 34.65 0.51

(17.01) (4.41) (8.95) (8.07) (1.40)

166.29 212.81 38.04 68.66 (46.96)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

17.80 26.15 33.00 43.12 11.75(7.17) 0.94 80.35 120.78 (15.70)

10.62 27.09 113.36 163.90 (3.95)

(3.82) (14.92) (18.14) (21.39) (2.80)(6.88) (16.28) (17.94) (11.26) (0.82)

0.00 0.00 0.00 0.00 0.000.00 (0.10) 0.00 0.00 0.00

(10.91) (31.30) (34.56) (31.14) (7.83)

166.00 208.59 116.84 201.42 (58.74)

318.65 311.34 305.31 297.81 484.00

484.65 519.93 422.16 499.23 425.26

224


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Quadrum

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,274.93 2,546.43 2,592.70 2,954.13 2,876.22

95.67 258.04 230.92 227.27 217.31136.15 234.42 220.66 123.06 92.88

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.23 0.00 0.00 0.00 0.00

1,426.25 1,489.21 1,522.85 1,942.98 2,021.55109.39 98.17 170.64 199.55 189.42(91.99) (90.00) (90.10) (115.43) (144.90)276.18 229.09 227.03 182.47 114.02

90.66 42.52 43.07 47.54 47.9791.74 128.11 121.94 169.35 131.1320.76 27.06 8.28 31.97 47.95

119.29 129.05 136.42 144.30 158.370.59 0.75 1.01 1.06 0.53

0.00 0.00 0.00 0.00 0.00

1,856.06 2,139.73 2,214.67 2,635.06 2,531.26

0.00 0.00 0.00 0.00 0.001,432.74 1,588.36 1,638.13 1,855.58 1,837.86

0.00 0.00 0.00 0.00 0.00323.91 449.28 478.63 688.27 656.52

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.82 0.05 0.00 0.000.00 0.00 0.00 0.00 0.00

99.22 101.09 97.68 91.04 36.730.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.18 0.18 0.17 0.17 0.16

418.87 406.69 378.03 319.08 344.96

682.59 682.58 682.55 682.55 682.55682.59 682.58 682.55 682.55 682.55

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(263.72) (275.88) (304.52) (363.47) (337.59)8.67 8.67 8.67 8.67 17.12

(39.66) (39.66) (39.66) (39.66) (146.03)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(215.34) (213.19) (214.99) (222.39) (212.40)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(17.38) (31.71) (58.54) (110.09) 3.71

229.54 216.38 202.31 193.69 154.190.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

299.98 293.10 362.09 321.99 320.960.00 766.27 854.90 905.18 1,018.540.00 0.00 11.87 12.38 21.520.00 0.00 0.00 0.00 0.00

116.46 341.61 45.41 0.00 0.00

225



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Quadrum

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

136.15 234.42 220.66 123.06 92.88

12.68 12.54 0.01 1.55 0.0012.68 12.54 0.01 1.55 0.00

0.00 0.00 0.00 0.00 0.0012.68 12.54 0.01 1.55 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

51.88 55.24 59.01 61.78 92.8829.42 33.30 37.49 40.79 87.3829.42 33.30 37.49 40.79 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 87.38

22.46 21.94 21.52 20.99 5.51

71.59 166.65 161.64 59.73 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.23 0.00 0.00 0.00 0.00

0.23 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.82 0.05 0.00 0.00

0.00 0.82 0.05 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00


226


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Quadrum

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,535.65 1,587.39 1,693.49 2,142.53 2,210.96

1,426.25 1,489.21 1,522.85 1,942.98 2,021.55

1,150.25 1,134.35 1,122.68 1,456.37 1,422.93216.01 247.59 264.00 278.61 310.12

0.00 0.00 0.00 0.00 0.0026.73 73.41 101.76 174.12 253.8933.26 33.86 34.41 33.88 34.60

0.00 0.00 0.00 0.00 0.00

109.39 98.17 170.64 199.55 189.42

109.39 98.17 170.64 199.55 189.420.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

188.91 268.71 273.22 307.90 401.92

188.91 268.71 201.01 205.08 305.24

156.28 214.55 139.45 137.71 211.0732.63 54.16 61.57 67.37 94.17

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 72.21 102.82 96.68

0.00 0.00 72.21 102.82 96.680.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

86.21 85.60 84.98 84.83 84.65

86.21 85.60 84.98 84.83 84.65

86.21 85.60 84.98 84.83 84.650.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

227


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Quadrum

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,806.32 1,740.88 1,769.60 1,849.32 2,338.51

1,086.32 1,009.00 1,014.26 1,073.58 1,543.27

436.31 444.59 381.06 368.73 369.27

196.02 185.46 242.75 241.82 228.74

38.06 36.02 43.51 42.21 38.58

0.00 0.00 0.00 0.00 0.00

49.60 65.80 88.02 122.99 158.65

0.00 0.00 0.00 0.00 0.00

91.99 90.00 90.10 115.43 144.90

5.76 7.03 6.40 6.28 6.29

37.79 37.09 48.55 48.36 45.75

15.00 17.64 22.13 21.37 19.21

0.00 0.00 0.00 0.00 0.00

24.67 19.62 0.00 0.00 0.00

8.76 8.61 13.03 39.42 73.65

228



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Quadrum

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,756.66 2,037.65 2,117.59 2,544.09 2,494.60

0.00 0.00 0.00 0.00 0.000.00 0.00 (0.00) 0.00 0.000.00 0.00 0.00 0.00 0.00

1,432.74 1,588.36 1,638.13 1,855.58 1,837.860.00 0.00 0.00 0.00 0.00

258.43 274.08 269.65 302.82 264.941,174.32 1,314.28 1,368.49 1,552.76 1,572.91

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

323.91 449.28 479.46 688.51 656.7593.55 114.68 181.73 384.22 312.2971.74 86.27 21.15 0.00 50.00

152.47 179.28 194.57 225.23 219.033.63 69.06 81.42 78.83 75.202.52 (0.00) 0.59 0.24 0.230.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

259.50 225.64 337.73 351.19 482.37

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

118.60 120.58 124.30 142.87 133.060.00 0.00 0.00 0.00 0.00

118.60 120.58 124.30 142.87 133.060.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

140.90 105.07 213.43 208.32 349.3293.51 59.78 181.29 176.95 312.27

0.00 0.00 0.00 0.00 0.0046.69 45.29 31.72 31.37 37.05

0.00 0.00 0.00 0.00 0.000.71 0.00 0.42 0.00 (0.00)0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

229


Concepto








Margen financiero















Resultado Neto

Quadrum

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

134.02 108.12 106.88 111.80 460.81 116.25

105.34 85.67 91.29 97.50 379.79 103.1085.36 70.14 72.96 77.01 305.46 79.2215.60 12.35 13.87 13.66 55.48 13.00

0.00 0.00 0.00 0.00 0.00 0.001.92 1.28 3.34 5.42 11.95 8.912.47 1.90 1.12 1.41 6.90 1.970.00 0.00 0.00 0.00 0.00 0.000.68 0.18 0.58 24.17 25.61 4.374.33 5.02 5.41 7.32 22.08 5.710.16 0.13 0.21 0.24 0.74 0.17

12.77 6.60 6.42 (19.35) 6.45 0.750.00 0.00 0.00 0.00 0.00 0.00

10.74 10.52 2.97 1.91 26.14 2.140.00 0.00 0.00 0.00 0.00 0.00

123.19 92.26 93.43 97.54 406.43 100.01

122.66 91.69 92.34 96.37 403.06 98.170.00 0.00 0.00 0.00 0.00 0.00

101.45 75.85 74.69 72.43 324.41 71.300.00 0.00 0.00 0.00 0.00 0.00

21.21 15.84 17.65 23.94 78.64 26.870.00 0.00 0.00 0.00 0.00 0.000.22 0.15 0.27 0.17 0.81 0.200.31 0.43 0.82 1.00 2.57 1.640.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(0.06) (1.16) (1.43) (0.26) (2.92) (0.79)

10.77 14.69 12.01 13.99 51.46 15.45

0.79 (0.16) 1.60 29.55 31.77 3.23

9.98 14.86 10.42 (15.56) 19.69 12.21

3.54 6.13 7.65 10.62 27.94 9.600.32 (0.07) (0.22) (0.07) (0.04) 0.00

13.84 20.91 17.85 (5.01) 47.59 21.81

32.38 31.64 35.92 46.60 146.53 35.9314.50 17.89 19.99 24.86 77.24 19.0316.29 11.80 14.17 19.46 61.72 14.39

1.60 1.94 1.76 2.27 7.57 2.51

(18.54) (10.73) (18.07) (51.61) (98.94) (14.12)

(1.36) 0.63 0.57 6.11 5.96 (1.62)

(19.89) (10.09) (17.50) (45.49) (92.98) (15.75)

0.01 0.03 0.03 0.03 0.11 0.0310.48 6.66 7.45 13.52 38.11 14.73

0.00 0.00 0.00 0.00 0.00 0.00

(9.42) (3.47) (10.08) (32.01) (54.98) (1.05)

(7.95) (10.86) (16.75) (19.55) (55.12) 4.76

(17.38) (14.33) (26.83) (51.56) (110.09) 3.71

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(17.38) (14.33) (26.83) (51.56) (110.09) 3.71

230


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Quadrum

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,671.38 2,934.88 2,838.46 3,161.75 3,077.39

96.65 259.25 231.71 229.07 218.37366.66 425.79 402.87 303.76 262.89

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.23 0.00 0.00 0.00 0.00

1,395.59 1,424.22 1,314.75 1,682.97 1,716.97310.98 273.23 334.63 356.62 323.78

(180.46) (161.60) (162.46) (185.79) (154.98)138.85 142.30 145.37 111.91 41.44169.00 173.07 161.52 170.73 193.95130.27 142.74 145.26 224.27 181.55

1.03 1.00 0.98 0.96 0.93242.12 251.92 258.63 265.70 291.63

0.47 2.97 5.21 1.56 0.86

0.00 0.00 0.00 0.00 0.00

2,251.72 2,527.32 2,459.73 2,842.18 2,731.96

0.00 0.00 0.00 0.00 0.001,396.30 1,573.90 1,615.65 1,854.65 1,829.55

0.00 0.00 0.00 0.00 0.00714.80 810.64 715.41 916.44 843.35

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.82 0.05 0.00 0.000.00 0.00 0.00 0.00 0.00

114.40 121.15 109.96 57.84 47.698.96 5.44 5.33 2.07 2.000.00 0.00 0.00 0.00 0.00

17.25 15.36 13.33 11.17 9.37

419.66 407.56 378.73 319.57 345.44

682.59 682.58 682.55 682.55 682.55682.59 682.58 682.55 682.55 682.55

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(262.92) (275.02) (303.82) (362.98) (337.11)8.67 8.67 8.67 8.67 17.12

(39.66) (39.66) (39.66) (39.66) (146.03)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(215.34) (213.19) (214.99) (222.39) (212.40)0.00 0.00 0.00 0.00 0.000.79 0.87 0.70 0.50 0.47

(17.38) (31.71) (58.54) (110.09) 3.71

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

341.19 313.54 387.47 321.99 320.9625.16 790.59 872.52 926.90 1,039.09

0.00 0.00 11.87 12.38 21.520.00 0.00 0.00 0.00 0.00

116.46 341.61 45.41 0.00 0.00

231


Concepto




Margen financiero
















Resultado Neto

Quadrum

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

124.95 100.93 104.61 103.18 433.67 109.56

134.56 97.05 102.63 104.36 438.60 104.74

2.52 1.38 1.66 4.05 9.61 5.36

(7.09) 5.25 3.63 2.88 4.68 10.18

0.79 (0.16) 6.21 31.69 38.52 4.48

(7.87) 5.42 (2.57) (28.81) (33.84) 5.69

3.54 6.13 7.65 10.62 27.94 9.60

0.32 (0.07) (0.22) (0.07) (0.04) 0.00

(4.01) 11.47 4.86 (18.26) (5.95) 15.29

37.17 33.12 44.50 55.65 170.44 44.3714.50 17.89 19.99 24.86 77.24 19.0318.32 9.46 17.40 22.79 67.96 17.06

4.36 5.77 7.11 8.00 25.24 8.28

(41.19) (21.65) (39.64) (73.91) (176.39) (29.08)

13.58 1.52 6.14 9.57 30.81 5.80

(27.60) (20.12) (33.50) (64.35) (145.57) (23.28)

0.32 0.95 0.93 0.91 3.12 0.8910.48 6.66 7.45 13.52 38.11 27.91

0.00 0.00 0.00 0.00 0.00 0.00

(17.44) (14.42) (26.98) (51.74) (110.58) 3.75

0.00 0.00 0.00 0.00 0.00 0.00

(17.44) (14.42) (26.98) (51.74) (110.58) 3.75

0.00 0.00 0.00 0.00 0.00 0.00

0.07 0.09 0.15 0.18 0.49 (0.03)

(17.38) (14.33) (26.83) (51.56) (110.09) 3.71

232






















Quadrum

661.73 0.00 0.00 16.60 (46.65) 0.00 0.00 0.00 (204.96) (94.92) 0.59 332.39

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 (94.92) 0.00 0.00 0.00 0.00 94.92 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.71 0.00 3.71

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.92 0.00 0.00 4.92

20.82 0.00 0.00 0.52 (4.46) 0.00 0.00 0.00 (33.52) 0.00 0.61 (16.03)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 21.16 0.00 (0.72) 20.44

682.55 0.00 0.00 17.12 (146.03) 0.00 0.00 0.00 (212.40) 3.71 0.47 345.44

233



Concepto















Quadrum

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

(17.38) (31.71) (58.54) (110.09) 3.71

4.36 4.67 17.24 25.24 8.280.79 0.62 6.83 38.52 37.350.00 0.00 0.00 0.00 0.000.00 0.00 0.02 0.04 0.00

(10.48) (17.14) (24.59) 38.11 27.910.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(4.20) 173.41 215.21 454.21 (98.19)146.56 136.97 179.62 (218.95) 20.86

0.00 0.00 0.00 0.00 0.00481.83 419.77 442.63 541.72 58.27(40.46) (38.53) (54.82) (75.63) (1.67)

561.01 648.07 723.62 693.17 56.53

0.00 0.00 0.00 0.00 0.00(559.24) (462.56) (558.51) (357.52) 0.00

0.00 5.44 5.33 2.07 (0.06)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(559.24) (457.12) (553.17) (355.45) (0.06)

9.96 (10.97) (16.49) (120.28) (12.97)(0.98) (4.13) (3.39) (73.17) (54.92)

0.00 0.00 0.00 0.00 0.000.40 (2.10) (4.33) (0.68) 0.77

9.39 (17.19) (24.21) (194.13) (67.12)

11.16 173.76 146.23 143.59 (10.66)

85.49 85.48 85.48 85.48 229.03

96.65 259.25 231.71 229.07 218.37

234


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Dresdner bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

3,380.93 3,363.45 3,622.35 2,765.55 3,223.62

471.92 250.74 976.91 240.47 475.0637.44 198.17 396.55 241.69 774.28

0.00 0.50 0.00 0.01 0.000.00 0.00 0.00 0.00 0.000.21 0.00 0.65 0.01 5.24

2,674.97 2,723.55 2,065.86 2,105.98 1,800.200.00 0.00 0.00 0.00 0.000.00 0.00 (0.40) (0.40) (0.38)5.81 3.30 2.71 7.69 3.42

96.05 91.67 90.86 89.66 87.900.00 0.00 0.00 0.00 0.009.19 8.99 8.34 8.50 7.96

75.90 73.61 68.58 59.84 56.569.44 12.90 12.29 12.10 13.39

0.00 0.00 0.00 0.00 0.00

3,076.76 3,052.58 3,309.06 2,453.39 2,910.45

14.75 37.83 24.77 34.28 19.521,429.32 2,161.49 3,119.03 2,399.73 2,867.60

0.00 0.00 0.00 0.00 0.001,511.41 826.93 143.39 0.11 0.00

0.00 0.56 0.91 0.10 0.330.00 0.00 0.00 0.00 0.000.00 2.19 0.24 0.00 0.000.00 0.00 0.00 0.00 0.00

116.15 18.97 16.56 15.33 23.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.005.12 4.62 4.17 3.83 0.00

304.17 310.86 313.28 312.16 313.17

429.45 428.89 429.71 429.87 429.88429.45 428.89 429.71 429.87 429.88

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(125.28) (118.02) (116.43) (117.71) (116.71)0.00 0.00 0.00 0.00 0.00

(111.61) (112.39) (113.25) (114.62) (82.39)

(0.01) 0.00 (0.38) 0.00 0.000.00 0.00 0.00 0.00 0.000.57 0.88 0.77 1.71 1.64

(18.19) (19.35) (20.88) (24.15) (39.12)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.003.96 12.84 17.31 19.34 3.17

305.17 682.20 852.14 924.37 752.96594.55 750.30 679.26 661.62 641.55

48.12 49.36 61.70 49.56 111.760.00 0.00 0.00 0.00 0.00

460.43 449.87 441.16 430.43 417.19482.79 451.78 534.57 154.49 162.12

0.00 0.00 0.00 0.00 0.007.07 5.11 60.26 0.00 522.30

235



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Dresdner bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

37.44 198.17 396.55 241.69 774.28

22.67 22.58 203.42 72.77 614.5422.67 22.58 203.42 72.77 614.5421.97 22.05 22.93 62.21 65.50

0.70 0.53 180.48 10.56 549.040.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

14.78 0.00 23.13 0.00 0.0014.78 0.00 23.13 0.00 0.00

0.00 0.00 0.00 0.00 0.0014.78 0.00 23.13 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 175.59 170.01 168.92 159.730.00 175.59 170.01 168.92 159.730.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 175.59 170.01 168.92 159.730.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.33 0.50 0.00 0.01 0.0097.43 364.65 315.62 35.56 320.6197.11 364.15 315.89 35.66 320.85

0.33 0.56 0.91 0.10 0.3397.51 237.91 180.50 3.09 186.0997.18 237.36 179.86 3.10 186.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.21 0.00 0.65 0.01 5.24

0.21 0.00 0.65 0.01 5.240.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 2.19 0.24 0.00 0.00

0.00 2.19 0.24 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

236


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Dresdner bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,674.97 2,723.55 2,065.86 2,105.98 1,800.20

2,674.97 2,723.55 2,065.86 2,105.98 1,800.20

1,731.48 2,076.57 1,695.89 1,459.28 1,476.26328.20 75.36 265.66 565.50 247.12

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

615.29 571.62 104.31 81.20 76.820.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

1,525.82 1,618.60 1,029.39 1,311.99 829.88

1,525.82 1,618.60 1,029.39 1,311.99 829.88

904.09 1,043.33 922.16 859.65 751.296.43 3.65 2.92 371.14 1.770.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

615.29 571.62 104.31 81.20 76.820.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

237


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Dresdner bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

3,125.43 2,958.81 3,388.24 2,906.44 2,985.97

2,448.47 2,292.27 2,434.05 2,113.00 1,959.78

0.00 0.00 0.00 39.50 38.19

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

676.96 666.54 954.18 753.94 988.00

0.00 0.00 0.40 0.40 0.38

0.00 0.00 0.40 0.40 0.38

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

238



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Dresdner bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,955.49 3,026.80 3,288.68 2,434.11 2,887.45

14.75 37.83 24.77 34.28 19.520.00 (0.00) 0.00 0.00 0.00

14.75 37.83 24.77 34.28 19.521,429.32 2,161.49 3,119.03 2,399.73 2,867.60

0.00 0.00 0.00 0.00 0.00276.05 848.96 1,575.95 1,584.58 2,006.87

1,153.27 1,312.52 1,543.08 815.15 860.730.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

1,511.41 826.93 143.98 0.00 0.001,511.41 740.66 143.39 0.00 0.00

0.00 86.27 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.58 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.56 0.91 0.10 0.33

0.00 0.56 0.91 0.10 0.33

1,808.18 1,610.47 1,748.42 1,615.60 2,019.33

20.72 51.65 30.21 30.91 12.4613.82 25.82 15.11 15.45 6.23

6.91 25.82 15.11 15.45 6.23276.05 818.21 1,574.81 1,584.58 2,006.87

0.00 0.00 0.00 0.00 0.00276.05 818.21 1,574.81 1,584.58 2,006.87

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

1,511.41 740.61 143.39 0.12 0.001,511.41 740.61 143.39 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.12 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

239


Concepto








Margen financiero















Resultado Neto

Dresdner bank

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

154.60 133.38 152.46 137.17 577.62 127.10

116.89 98.33 100.65 72.33 388.20 68.2696.44 77.07 79.15 46.17 298.83 50.17

4.05 3.23 2.58 23.32 33.18 14.120.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

16.40 18.04 18.92 2.84 56.19 3.980.00 0.00 0.00 0.00 0.00 0.00

15.23 7.35 15.05 12.61 50.25 16.457.75 7.25 11.30 15.29 41.59 20.300.66 1.07 (0.01) 0.17 1.90 0.00

11.67 10.39 10.18 19.31 51.56 8.820.00 0.00 0.00 0.00 0.00 0.002.40 8.99 15.29 17.45 44.13 13.260.00 0.00 0.00 0.00 0.00 0.00

127.11 105.35 123.91 102.47 458.84 103.85

115.43 94.19 105.78 90.61 406.02 90.900.00 0.00 0.00 0.00 0.00 0.00

92.33 77.70 96.59 89.43 356.06 90.020.00 0.00 0.00 0.00 0.00 0.00

23.10 16.49 9.19 1.18 49.96 0.880.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

11.68 11.15 18.12 11.86 52.82 12.950.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(5.36) (2.56) (2.64) (3.38) (13.93) (4.33)

22.13 25.48 25.92 31.32 104.85 18.92

0.00 0.00 0.40 0.01 0.41 0.00

22.13 25.48 25.52 31.31 104.44 18.92

2.20 6.90 3.52 0.71 13.34 7.240.08 (0.20) 0.57 (0.76) (0.31) (0.22)

24.41 32.18 29.61 31.27 117.47 25.94

21.17 23.19 21.59 20.88 86.82 27.049.14 11.08 9.80 6.92 36.95 15.409.37 9.61 9.87 12.02 40.86 9.712.66 2.49 1.92 1.94 9.01 1.92

3.24 9.00 8.03 10.39 30.65 (1.10)

1.88 1.16 1.10 3.15 7.29 6.05

5.12 10.15 9.13 13.54 37.94 4.95

0.32 0.31 0.30 4.15 5.08 0.00(0.24) (0.55) (3.88) (6.82) (11.50) (1.48)

0.00 0.00 0.00 0.00 0.00 0.00

4.56 9.29 4.94 2.57 21.36 3.47

(0.60) (0.41) (0.48) (0.53) (2.02) (0.30)

3.96 8.88 4.47 2.03 19.34 3.17

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

3.96 8.88 4.47 2.03 19.34 3.17

240


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Dresdner bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

3,381.32 3,364.00 3,622.95 2,766.01 3,224.12

471.92 250.74 976.91 240.47 475.0745.11 198.17 396.55 241.69 774.28

0.00 0.50 0.00 0.01 0.000.00 0.00 0.00 0.00 0.000.21 0.00 0.65 0.01 5.24

2,674.97 2,723.55 2,065.86 2,105.98 1,800.200.00 0.00 0.00 0.00 0.000.00 0.00 (0.40) (0.40) (0.38)5.40 3.13 2.36 7.56 3.24

96.05 92.43 90.86 90.63 87.900.00 0.00 0.00 0.00 0.000.74 8.19 7.81 7.63 7.20

75.90 73.61 68.58 59.84 56.5611.01 13.66 13.77 12.59 14.82

0.00 0.00 0.00 0.00 0.00

3,077.14 3,053.13 3,309.67 2,453.85 2,910.95

14.75 37.83 24.77 34.28 19.521,429.32 2,161.49 3,119.03 2,399.73 2,867.60

0.00 0.00 0.00 0.00 0.001,511.41 826.93 143.39 0.11 0.00

0.00 0.56 0.91 0.10 0.330.00 0.00 0.00 0.00 0.000.00 2.19 0.24 0.00 0.000.00 0.00 0.00 0.00 0.00

116.54 19.52 17.16 15.80 23.500.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.005.12 4.62 4.17 3.83 0.00

304.18 310.86 313.28 312.16 313.17

429.45 428.89 429.71 429.87 429.88429.45 428.89 429.71 429.87 429.88

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(125.28) (118.02) (116.43) (117.71) (116.71)0.00 0.00 0.00 0.00 0.00

(111.61) (112.39) (113.25) (114.62) (82.39)

(0.01) 0.00 (0.38) 0.00 0.000.00 0.00 0.00 0.00 0.000.57 0.88 0.77 1.71 1.64

(18.19) (19.35) (20.88) (24.15) (39.12)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.003.96 12.84 17.31 19.34 3.17

305.17 682.20 852.14 924.37 752.96594.55 750.30 679.26 661.62 641.55

48.12 49.36 61.70 49.56 111.760.00 0.00 0.00 0.00 0.00

460.43 449.87 441.16 430.43 417.19482.79 451.78 534.57 154.49 162.12

0.00 0.00 0.00 0.00 0.007.07 5.11 60.26 0.00 522.30


241


Concepto




Margen financiero
















Resultado Neto

Dresdner bank

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

154.93 134.55 153.44 139.93 582.85 128.11

127.17 106.12 124.47 104.74 462.49 104.43

(5.34) (2.54) (2.62) (3.43) (13.93) (4.32)

22.42 25.89 26.36 31.76 106.43 19.36

0.00 0.00 0.40 0.01 0.41 0.00

22.42 25.89 25.95 31.75 106.01 19.36

2.20 6.90 3.52 0.71 13.34 7.24

0.08 (0.20) 0.57 (0.76) (0.31) (0.22)

24.69 32.60 30.05 31.71 119.04 26.38

22.05 24.01 22.50 21.85 90.41 27.789.70 11.47 10.17 7.41 38.75 15.769.64 10.01 10.36 12.45 42.46 10.052.71 2.54 1.96 1.99 9.21 1.98

2.64 8.58 7.55 9.85 28.63 (1.40)

1.88 1.16 1.10 3.15 7.29 6.05

4.52 9.74 8.65 13.01 35.92 4.65

0.32 0.31 0.30 4.15 5.08 0.00(0.24) (0.55) (3.88) (6.82) (11.50) (1.48)

0.00 0.00 0.00 0.00 0.00 0.00

3.96 8.88 4.47 2.03 19.34 3.17

0.00 0.00 0.00 0.00 0.00 0.00

3.96 8.88 4.47 2.03 19.34 3.17

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

3.96 8.88 4.47 2.03 19.34 3.17


242






















Dresdner bank

416.76 0.00 0.00 0.00 (111.12) 0.00 1.66 0.00 (23.41) 18.75 0.00 302.64

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 18.75 0.00 0.00 0.00 0.00 (15.58) 0.00 3.17

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13.12 0.00 0.00 0.00 9.98 0.00 (0.03) 0.00 (15.71) 0.00 0.00 7.36

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

429.88 0.00 0.00 0.00 (82.39) 0.00 1.64 0.00 (39.12) 3.17 0.00 313.17

243



Concepto















Dresdner bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

3.96 12.84 17.31 19.34 3.17

2.66 5.15 7.07 9.02 1.920.00 0.00 0.00 0.41 (1.70)0.00 0.00 0.40 0.00 2.410.00 0.00 0.00 0.00 0.000.24 0.80 4.68 11.50 1.480.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

63.47 820.50 1,762.37 1,052.03 453.00118.72 66.54 729.49 690.51 305.78

0.00 0.00 0.00 0.00 0.00181.42 20.27 (177.23) (22.28) (532.36)

0.00 0.00 0.00 0.00 0.00

370.48 926.10 2,344.10 1,760.54 233.69

0.00 0.00 0.00 0.00 0.00(396.00) (1,078.02) (1,765.14) (1,909.20) 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

11.06 (83.74) (89.01) (91.04) 7.67

(384.94) (1,161.76) (1,854.16) (2,000.24) 7.67

(1.99) (3.84) (4.81) (0.81) (0.02)0.00 0.00 0.00 0.00 (3.83)0.00 0.00 0.00 0.00 0.001.11 3.61 4.22 (6.76) 2.96

(0.88) (0.23) (0.59) (7.57) (0.89)

(15.34) (235.89) 489.36 (247.28) 240.47

487.26 486.63 487.55 487.75 234.60

471.92 250.74 976.91 240.47 475.07

244


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


I.N.G. Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,509.59 2,414.56 2,316.42 2,581.96 2,526.17

124.84 85.92 570.42 81.38 114.79271.65 777.45 26.73 44.08 1,203.68

2.29 0.00 5.68 1.29 2.120.00 0.00 0.00 0.00 0.00

28.95 9.50 36.74 39.67 47.521,066.80 1,527.69 1,658.46 2,292.64 1,048.99

0.00 0.00 0.00 0.00 0.00(0.57) (0.56) (2.26) (2.20) (2.14)15.62 14.47 20.57 19.77 12.25

0.00 0.00 0.00 49.97 47.780.00 0.00 0.00 0.00 0.000.00 0.09 0.08 0.08 0.080.00 0.00 0.00 0.00 0.000.00 0.00 0.00 55.28 51.10

0.00 0.00 0.00 0.00 0.00

1,001.78 1,880.00 1,759.81 1,934.67 1,851.13

155.12 0.15 24.58 0.11 106.70762.50 1,686.87 1,638.03 1,769.09 1,318.28

0.00 0.00 0.00 0.00 0.000.00 112.25 0.00 52.41 151.470.31 1.59 0.00 0.00 0.420.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.007.53 4.92 17.79 37.06 33.58

76.31 74.21 79.40 76.00 240.680.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

507.81 534.56 556.61 647.29 675.04

471.71 469.62 469.65 550.98 550.46471.71 469.62 469.65 550.98 550.46

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

36.11 64.95 86.96 96.31 124.5819.11 19.03 19.03 19.24 19.22

121.27 120.66 120.74 101.89 207.01

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(130.29) (129.71) (129.80) (130.13) (130.01)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

26.01 54.98 76.99 105.32 28.35

0.00 0.00 0.00 0.00 0.00874.33 854.28 852.55 872.85 846.23

0.00 0.00 0.00 0.00 0.008,193.11 7,894.23 7,942.99 8,079.83 8,159.40

0.00 0.00 0.00 0.00 0.00649.20 1,120.47 274.99 196.45 1,283.85

0.00 0.00 0.00 0.00 0.00752.68 727.87 1,984.30 5,599.55 14,757.16

245



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









I.N.G. Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

271.65 777.45 26.73 44.08 1,203.68

271.65 777.45 26.73 44.08 1,203.68271.65 777.45 26.73 44.08 1,203.68

1.34 12.32 12.34 11.28 275.12270.31 765.12 14.39 32.80 928.55

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2.29 0.03 5.76 1.29 2.112,580.10 2,516.19 3,090.31 1,955.79 2,171.422,577.81 2,517.80 3,084.54 1,954.53 2,169.30

0.31 1.61 0.09 0.00 0.42165.86 (0.03) 35.30 (0.03) 1,017.42165.55 0.00 35.21 0.00 1,017.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

28.95 9.50 36.74 39.67 47.53

28.95 9.50 36.74 39.67 47.530.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

246


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




I.N.G. Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,066.80 1,527.69 1,658.46 2,292.64 1,048.99

1,066.80 1,527.69 1,658.46 2,292.64 1,048.99

266.29 673.72 607.66 322.81 118.20800.51 853.96 1,050.80 1,969.84 930.80

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

247


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



I.N.G. Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,611.74 1,042.33 1,498.12 1,617.69 2,222.71

1,611.74 1,042.33 1,498.12 1,617.69 2,222.71

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.57 0.56 2.26 2.20 2.14

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.57 0.56 2.26 2.20 2.14

248



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



I.N.G. Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

917.94 1,800.87 1,663.20 1,821.61 1,576.87

155.12 0.15 24.58 0.11 106.700.00 (0.00) 0.00 0.00 0.00

155.12 0.15 24.58 0.11 106.70762.50 1,686.87 1,638.03 1,769.09 1,318.28

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

762.50 1,686.87 1,638.03 1,769.09 1,318.280.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 112.25 0.58 52.41 151.470.00 112.25 0.00 52.41 151.470.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.58 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.31 1.58 (0.00) 0.00 0.42

0.31 1.58 (0.00) 0.00 0.42

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

249


Concepto








Margen financiero















Resultado Neto

I.N.G. Bank

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

358.65 216.51 243.29 214.56 1,033.01 237.08

106.65 97.30 84.88 97.68 386.51 76.9931.40 32.18 36.03 23.22 122.83 11.7075.25 65.12 48.85 74.46 263.69 65.29

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

202.19 97.11 126.78 101.16 527.23 111.2512.08 10.59 7.87 8.43 38.97 17.29

0.00 0.00 0.00 0.00 0.00 0.0035.33 9.83 22.82 6.91 74.90 31.05

2.41 1.68 0.94 0.37 5.40 0.500.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

297.22 190.01 202.32 161.57 851.12 196.08

90.72 85.30 79.55 84.25 339.83 76.500.00 0.00 0.00 0.00 0.00 0.00

90.42 80.65 76.39 82.14 329.60 73.180.00 0.00 0.00 0.00 0.00 0.000.30 4.65 3.16 2.11 10.23 3.310.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

206.50 104.70 122.77 77.32 511.29 119.590.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(24.12) (9.54) (10.56) (17.26) (61.48) (17.84)

37.31 16.96 30.42 35.73 120.41 23.15

0.00 0.00 1.71 0.01 1.72 0.00

37.31 16.96 28.70 35.72 118.70 23.15

0.43 28.76 0.00 3.83 33.02 0.2845.74 33.23 40.66 35.38 155.00 48.31

83.48 78.95 69.36 74.93 306.72 71.74

37.96 33.54 42.24 48.40 162.15 30.4723.31 18.67 25.10 9.58 76.65 15.2514.66 14.87 17.15 29.82 76.49 12.67

0.00 0.00 0.00 9.01 9.01 2.54

45.51 45.41 27.12 26.53 144.57 41.28

0.72 4.89 1.08 11.05 17.74 4.25

46.23 50.30 28.20 37.58 162.31 45.53

0.00 23.86 (6.83) (10.58) 6.45 19.50(20.22) 2.52 (13.01) (19.84) (50.54) 2.32

0.00 0.00 0.00 0.00 0.00 0.00

26.01 28.96 22.02 28.33 105.32 28.35

0.00 0.00 0.00 0.00 0.00 0.00

26.01 28.96 22.02 28.33 105.32 28.35

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

26.01 28.96 22.02 28.33 105.32 28.35

250






















I.N.G. Bank

550.46 0.00 0.00 19.22 207.01 0.00 0.00 0.00 (126.16) 0.00 0.00 650.54

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 28.35 0.00 28.35

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 (3.85) 0.00 0.00 (3.85)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

550.46 0.00 0.00 19.22 207.01 0.00 0.00 0.00 (130.01) 28.35 0.00 675.04

251



Concepto















I.N.G. Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

26.01 54.98 76.99 105.32 28.35

0.00 0.00 0.00 9.01 2.540.00 0.00 0.00 0.00 0.005.81 4.02 9.21 5.62 172.26

(0.36) (11.71) (40.73) (41.51) (10.63)20.68 18.01 30.88 50.54 (3.45)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 383.96 247.20 402.56 (243.46)626.78 158.38 29.42 (600.48) 1,241.45

0.00 0.00 0.00 0.00 0.00(123.49) (595.72) 149.52 41.51 (1,157.30)(491.30) 13.58 7.50 46.08 0.00

64.13 25.50 510.00 18.65 29.76

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 (58.97) (0.41)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.03 0.00 0.00 61.13 0.00

0.03 0.00 0.00 2.16 3.72

64.16 25.50 510.00 20.81 33.48

60.69 60.42 60.42 60.58 81.31

124.84 85.92 570.42 81.38 114.79

252


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Invex

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,089.68 2,858.85 2,220.48 2,534.13 2,214.10

131.27 482.11 162.91 131.70 643.51193.30 393.86 181.42 156.03 241.60

0.00 0.00 0.16 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.15 0.00 0.00 0.24

1,711.80 1,884.27 1,727.73 2,072.64 1,245.4841.97 99.13 160.35 160.82 145.84

(76.12) (81.38) (91.81) (105.74) (145.84)6.99 1.89 2.01 41.10 11.61

51.18 50.02 49.38 49.92 43.6127.82 27.19 26.66 26.01 25.21

1.46 1.61 1.66 1.64 1.630.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 1.20

0.00 0.00 0.00 0.00 0.00

1,640.94 2,403.57 1,765.68 2,080.13 1,755.47

0.92 1.35 2.40 1.59 2.49812.48 1,174.09 695.81 1,467.24 927.86611.32 599.38 586.10 271.96 464.17129.03 547.48 414.93 267.46 292.70

0.00 0.00 0.17 0.00 0.000.00 0.00 0.00 0.00 0.001.60 0.00 0.25 2.05 0.001.93 6.42 2.75 6.13 9.51

12.72 13.18 12.28 13.76 16.2470.95 61.67 50.99 49.93 42.50

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

448.74 455.28 454.81 454.00 458.63

488.70 543.22 543.90 543.93 543.93488.70 543.22 543.90 543.93 543.93

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(39.96) (87.94) (89.09) (89.93) (85.30)19.93 21.35 21.38 21.38 21.38

195.30 139.12 139.29 139.32 140.05

(8.43) (6.97) (8.80) 0.97 2.080.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(258.04) (258.23) (258.37) (258.29) (258.29)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

11.29 16.78 17.41 6.68 9.48

0.00 0.00 0.00 0.00 0.00898.50 942.59 1,108.88 1,111.95 1,096.35

60.70 25.62 44.58 47.51 50.263,023.65 8,089.46 8,732.25 7,296.17 7,461.36

43.91 14.74 5.31 3.73 3.710.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

17,021.62 3,662.75 2,277.62 7,321.51 12,715.59

253



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Invex

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

193.30 393.86 181.42 156.03 241.60

83.25 275.55 63.81 27.18 108.9583.25 275.55 63.81 27.18 108.9563.77 8.73 17.78 18.45 96.6319.49 266.82 46.03 8.73 12.32

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

52.52 38.19 36.15 46.21 63.5439.69 27.36 8.74 9.13 8.72

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

39.69 27.36 8.74 9.13 8.7212.83 10.83 27.41 37.08 54.82

0.00 0.00 (0.00) (0.00) 69.100.00 0.00 (0.00) (0.00) 69.100.00 0.00 (0.00) (0.00) 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 69.100.00 0.00 0.00 0.00 0.00

57.53 80.12 81.46 82.64 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.00 0.00 0.17 0.00 0.000.00 0.00 105.91 0.00 0.000.00 0.00 105.74 0.00 0.00

0.00 0.00 0.17 0.00 0.0019.49 0.00 105.91 0.00 0.0019.49 0.00 105.74 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.14 0.00 0.00 0.24

0.00 0.14 0.00 0.00 0.240.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

1.60 0.00 0.25 2.05 0.00

1.60 0.00 0.25 2.05 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

254


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Invex

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,753.77 1,983.39 1,888.08 2,233.46 1,391.33

1,711.80 1,884.27 1,727.73 2,072.64 1,245.48

1,711.80 1,884.27 1,727.73 2,072.64 1,098.740.00 0.00 0.00 0.00 146.750.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

41.97 99.13 160.35 160.82 145.84

41.97 99.13 160.35 160.82 145.840.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

340.16 431.22 579.57 448.79 397.84

340.16 423.49 562.31 380.73 340.37

340.16 423.49 562.31 380.73 338.680.00 0.00 0.00 0.00 1.690.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 7.73 17.26 68.05 57.46

0.00 7.73 17.26 68.05 57.460.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

22.71 22.70 22.70 12.16 11.82

12.16 12.15 12.15 12.16 11.82

12.16 12.15 12.15 12.16 11.820.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

10.55 10.55 10.55 0.00 0.00

10.55 10.55 10.55 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

255


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Invex

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,946.43 1,773.47 1,971.04 1,885.84 2,211.39

1,549.91 1,409.59 1,638.08 1,576.08 1,950.59

167.70 101.16 111.73 92.02 96.65

178.15 212.71 172.03 54.34 8.13

41.41 41.25 40.46 154.72 39.70

0.00 0.00 0.00 0.00 107.57

6.57 6.12 5.77 5.75 5.91

2.70 2.63 2.97 2.92 2.86

76.12 81.38 91.81 105.74 145.84

1.67 1.01 1.12 0.92 0.97

35.52 42.54 34.24 10.90 1.63

35.68 24.75 24.40 93.56 23.75

0.00 0.00 0.00 0.00 106.26

1.39 0.53 2.26 0.00 1.86

1.87 12.54 29.80 0.35 11.38

256



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Invex

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,624.70 2,383.97 1,750.98 2,058.19 1,729.72

0.92 1.35 2.40 1.59 2.490.00 0.00 0.00 0.00 0.000.92 1.35 2.40 1.59 2.49

812.48 1,174.09 695.81 1,467.25 927.860.00 0.00 0.00 0.00 0.00

241.66 426.72 431.59 398.20 417.86570.82 747.36 264.23 1,069.04 510.00

0.00 0.00 0.00 0.00 0.00611.32 599.38 586.10 271.96 464.17

129.02 547.48 415.51 267.46 292.700.00 0.00 0.00 0.00 0.000.00 215.67 0.00 0.00 0.00

128.55 331.81 414.93 267.46 292.700.00 0.00 0.00 0.00 0.000.48 0.00 0.58 (0.00) 0.000.00 0.00 0.00 0.00 0.00

70.95 61.67 50.99 49.93 42.50

70.95 61.67 50.99 49.93 42.50

0.00 0.00 0.17 0.00 0.00

0.00 0.00 0.17 0.00 0.00

285.86 555.85 644.73 461.11 475.51

0.00 0.00 0.47 1.84 0.420.00 0.00 0.24 0.92 0.210.00 0.00 0.24 0.92 0.21

208.39 307.38 314.07 284.24 307.170.00 0.00 0.00 0.00 0.00

208.39 307.38 314.07 284.24 307.170.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

77.47 248.47 330.19 175.03 167.930.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

77.18 248.47 330.19 175.03 167.930.00 0.00 0.00 0.00 0.000.29 (0.00) (0.00) 0.00 (0.00)0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

257


Concepto








Margen financiero















Resultado Neto

Invex

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

192.49 126.22 111.61 95.06 525.38 151.93

139.68 109.05 92.46 73.59 414.78 133.48139.68 109.05 92.46 73.59 414.78 122.71

0.00 0.00 0.00 0.00 0.00 10.770.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.009.23 10.01 9.77 6.68 35.69 4.347.76 4.87 5.54 6.60 24.77 7.540.00 0.00 0.00 0.00 0.00 0.00

35.57 2.28 3.83 8.18 49.86 6.430.26 0.00 0.01 0.01 0.28 0.140.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

159.37 93.90 83.71 70.98 407.97 69.78

126.72 93.59 79.53 62.46 362.30 63.490.00 0.00 0.00 0.00 0.00 0.00

53.42 45.91 30.55 30.93 160.80 38.5459.96 35.75 34.65 18.22 148.58 13.10

7.32 7.99 10.66 10.47 36.45 9.336.02 3.94 3.67 2.84 16.47 2.520.00 0.00 0.00 0.00 0.00 0.00

32.65 0.31 4.18 8.53 45.67 6.290.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(13.54) (7.28) (6.85) (7.73) (35.39) (8.51)

19.58 25.03 21.06 16.34 82.01 73.63

1.60 6.82 12.10 15.68 36.20 43.99

17.98 18.21 8.95 0.66 45.81 29.64

3.07 4.51 5.07 3.67 16.32 4.7111.11 13.38 (0.01) 5.17 29.65 1.30

32.16 36.10 14.02 9.50 91.78 35.65

16.35 20.42 17.77 17.07 71.61 18.919.12 13.05 9.29 8.19 39.66 8.546.52 6.67 7.79 8.14 29.11 10.070.72 0.70 0.69 0.74 2.84 0.30

15.81 15.68 (3.75) (7.57) 20.18 16.74

(0.82) (6.03) 0.99 (0.18) (6.04) (0.71)

14.99 9.66 (2.76) (7.74) 14.14 16.02

1.77 (0.38) 0.18 (0.37) 1.20 5.03(1.93) (4.54) 3.56 (3.35) (6.25) (1.52)

0.00 0.00 0.00 0.00 0.00 0.00

11.28 5.50 0.63 (10.73) 6.68 9.48

0.00 0.00 0.00 0.00 0.00 0.00

11.28 5.50 0.63 (10.73) 6.68 9.48

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

11.28 5.50 0.63 (10.73) 6.68 9.48

258






















Invex

527.34 0.00 0.00 20.73 135.07 0.94 0.00 0.00 (250.41) 6.48 0.01 440.15

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 6.48 0.00 0.00 0.00 0.00 (6.48) 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 19.49 0.00 19.49

0.00 0.00 0.00 0.00 0.00 2.95 0.00 0.00 0.00 0.00 0.00 2.95

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 (5.95) (1.81) 0.00 0.00 1.46 0.00 0.00 (6.31)

16.59 0.00 0.00 0.65 4.39 0.00 0.00 0.00 (9.34) (10.02) 0.00 2.28

0.00 0.00 0.00 0.00 0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.07

543.93 0.00 0.00 21.38 140.05 2.08 0.00 0.00 (258.29) 9.48 0.01 458.63

259



Concepto















Invex

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

11.29 16.78 17.41 6.68 9.48

0.72 1.42 2.10 2.84 0.301.39 8.42 20.53 36.20 43.990.02 6.48 0.00 0.00 0.003.89 (5.50) (2.62) (10.29) (0.91)0.00 0.00 0.00 0.00 1.520.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 6.26 0.00

(286.60) 54.81 (448.60) 6.68 (328.47)216.30 (18.63) 77.37 (269.60) 838.25

0.00 0.00 0.00 0.00 0.0028.74 (163.10) 48.19 89.96 (85.77)3.05 429.09 296.00 111.72 33.43

(21.21) 329.77 10.38 (19.55) 511.81

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 (0.09) (0.09) (1.37) 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 (0.09) (0.09) (1.37) 0.00

(21.21) 329.68 10.30 (20.93) 511.81

152.48 152.42 152.61 152.63 131.70

131.27 482.11 162.91 131.70 643.51

260


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Comerica Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

3,052.48 2,986.99 2,595.46 2,492.78 1,961.37

212.83 167.44 113.25 350.75 94.04254.21 290.82 168.35 26.62 28.31

0.00 0.00 0.22 2.67 0.040.00 0.00 0.00 0.00 0.000.00 1.29 4.40 19.95 31.39

2,564.49 2,501.68 2,276.76 2,050.00 1,757.620.00 0.00 8.19 15.40 14.57

(16.01) (15.24) (15.83) (15.68) (14.87)8.00 9.65 14.27 21.13 29.15

10.84 11.90 11.43 12.07 12.660.00 0.00 0.00 0.00 0.001.35 1.55 1.56 1.56 1.560.00 0.00 0.00 1.48 3.01

16.77 17.91 12.87 6.84 3.91

0.00 0.00 0.00 0.00 0.00

2,838.54 2,756.37 2,374.33 2,246.77 1,707.82

13.54 6.73 7.10 4.53 19.32804.48 786.46 897.38 995.43 741.31

0.00 0.00 0.00 0.00 0.001,890.58 1,850.80 1,356.96 1,129.33 844.55

0.00 0.18 0.74 2.66 0.860.00 0.00 0.00 0.00 0.003.35 0.00 0.00 0.00 0.000.47 0.63 1.90 0.00 0.00

11.57 8.15 8.44 12.10 2.96108.27 103.42 101.81 102.72 98.82

0.00 0.00 0.00 0.00 0.006.28 0.00 0.00 0.00 0.00

213.94 230.62 221.13 246.01 253.55

223.24 222.91 223.41 233.10 233.10223.24 222.91 223.41 233.10 233.10

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(9.30) 7.71 (2.29) 12.91 20.450.10 1.25 1.25 1.25 1.26

12.43 11.26 11.28 11.28 11.60

(3.57) (1.05) (4.09) 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.05 0.05 0.05 0.05 0.050.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(18.31) (3.79) (10.78) 0.32 7.54

0.00 0.00 0.00 0.00 0.00324.47 370.94 363.77 416.71 425.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 36.18 33.640.00 0.00 0.00 414.64 493.530.00 0.00 0.00 0.00 0.002.21 88.92 332.30 586.73 354.65

261



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Comerica Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

254.21 290.82 168.35 26.62 28.31

0.00 0.00 27.23 26.62 28.310.00 0.00 27.23 26.62 28.310.00 0.00 27.23 26.62 26.220.00 0.00 0.00 0.00 2.090.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

146.30 183.51 42.66 0.00 0.00146.30 183.51 42.66 0.00 0.00

45.31 27.20 0.00 0.00 0.0055.18 108.94 0.00 0.00 0.0045.81 47.37 42.66 0.00 0.00

0.00 0.00 0.00 0.00 0.00

107.91 107.31 98.46 0.00 0.00107.91 107.31 98.46 0.00 0.00

0.00 0.00 0.00 0.00 0.00107.91 107.31 98.46 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.00 0.00 0.22 2.67 0.040.00 154.10 571.37 394.68 283.200.00 154.28 572.11 392.01 284.06

0.00 0.18 0.74 2.66 0.860.00 0.00 211.49 189.26 3.460.00 0.00 211.71 186.60 3.50

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 1.29 4.40 19.95 31.39

0.00 1.29 4.40 19.95 31.390.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

3.35 0.00 0.00 0.00 0.00

3.35 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

262


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Comerica Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,564.49 2,501.68 2,284.95 2,065.39 1,772.19

2,564.49 2,501.68 2,276.76 2,050.00 1,757.62

2,097.05 1,913.65 1,683.77 1,401.54 1,145.90431.71 554.89 562.33 648.45 611.72

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

35.73 33.13 30.65 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 8.19 15.40 14.57

0.00 0.00 8.19 15.40 14.570.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

1,764.78 1,628.10 1,421.33 1,140.42 810.75

1,764.78 1,628.10 1,413.14 1,125.02 796.18

1,729.05 1,587.07 1,375.17 1,118.11 789.970.00 7.90 7.31 6.91 6.210.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

35.73 33.13 30.65 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 8.19 15.40 14.57

0.00 0.00 8.19 15.40 14.570.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

263


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Comerica Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,660.76 2,507.00 2,454.50 2,229.83 2,002.40

2,295.51 2,010.82 1,769.52 1,708.50 1,581.11

213.22 322.74 500.58 352.82 380.88

0.00 41.31 55.16 47.12 40.40

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

152.03 132.13 129.24 121.38 0.00

16.01 15.24 15.83 15.68 14.87

5.38 5.13 4.95 4.89 4.65

10.63 10.11 10.89 10.79 10.22

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

264



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Comerica Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,817.23 2,747.59 2,364.84 2,232.00 1,704.39

13.54 6.73 7.10 4.53 19.320.14 0.13 0.12 0.12 0.30

13.39 6.60 6.98 4.41 19.03804.48 786.46 897.65 995.43 740.83

0.00 0.00 0.00 0.00 0.0047.92 58.46 88.93 39.75 29.25

756.56 728.00 808.72 955.68 711.580.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

1,890.94 1,850.80 1,357.54 1,129.33 844.551,890.58 1,850.80 1,356.96 1,121.08 844.55

0.00 0.00 0.00 8.25 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.58 0.00 0.000.36 0.00 0.00 0.00 0.00

108.27 103.42 101.81 102.72 98.82

108.27 103.42 101.81 102.72 98.82

0.00 0.18 0.74 0.00 0.86

0.00 0.18 0.74 0.00 0.86

1,820.89 1,632.58 1,120.43 684.74 622.80

39.84 6.34 6.74 3.96 23.7726.57 4.24 3.38 1.99 11.9613.27 2.11 3.36 1.97 11.8147.92 58.46 62.09 13.95 4.11

0.00 0.00 0.00 0.00 0.0047.92 58.46 62.09 13.95 4.11

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

1,624.86 1,464.35 949.79 564.12 496.101,624.50 1,456.68 946.45 564.12 496.10

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.36 7.68 3.34 0.00 0.00

108.27 103.42 101.81 102.72 98.82

108.27 103.42 101.81 102.72 98.82

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

265


Concepto








Margen financiero















Resultado Neto

Comerica Bank

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

127.33 122.75 116.53 131.36 497.96 113.59

110.77 96.90 87.42 85.52 380.60 75.1790.39 81.48 78.06 73.27 323.19 60.3519.74 14.84 8.82 11.74 55.14 14.82

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.64 0.58 0.54 0.51 2.27 0.000.00 0.00 0.00 0.00 0.00 0.006.38 9.14 17.42 19.29 52.23 21.158.14 7.07 5.01 5.92 26.13 4.481.76 5.80 1.28 0.97 9.81 0.470.28 3.84 5.41 7.22 16.74 5.030.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 12.45 12.45 7.300.00 0.00 0.00 0.00 0.00 0.00

104.92 101.04 97.06 120.34 423.37 103.32

103.83 93.82 84.01 97.66 379.33 78.650.00 0.00 0.00 0.00 0.01 0.02

60.74 46.72 35.87 56.00 199.34 36.430.00 0.00 0.00 0.00 0.00 0.00

41.25 45.26 46.38 39.80 172.70 40.551.84 1.84 1.75 1.86 7.28 1.660.00 0.00 0.00 0.00 0.00 0.001.09 7.22 13.05 22.68 44.04 24.660.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(10.46) (5.02) (5.29) (2.66) (23.42) (6.89)

11.95 16.68 14.18 8.36 51.17 3.39

6.52 (1.28) 1.08 (0.01) 6.31 0.00

5.42 17.97 13.10 8.37 44.86 3.39

0.27 1.53 1.03 0.04 2.88 0.00(12.24) 8.56 (2.33) 27.62 21.61 13.15

(6.55) 28.06 11.81 36.03 69.35 16.53

19.41 15.68 18.32 29.12 82.53 18.6910.25 5.80 6.07 9.32 31.44 6.94

8.79 9.28 11.54 14.58 44.19 11.130.37 0.60 0.70 5.22 6.90 0.62

(25.96) 12.38 (6.51) 6.91 (13.18) (2.16)

6.45 3.13 0.05 0.85 10.47 8.10

(19.51) 15.50 (6.46) 7.76 (2.71) 5.94

0.00 0.00 0.00 0.00 0.00 0.001.20 (0.99) (0.52) 3.34 3.03 1.600.00 0.00 0.00 0.00 0.00 0.00

(18.31) 14.52 (6.98) 11.10 0.32 7.54

0.00 0.00 0.00 0.00 0.00 0.00

(18.31) 14.52 (6.98) 11.10 0.32 7.54

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(18.31) 14.52 (6.98) 11.10 0.32 7.54

266






















Comerica Bank

225.99 0.00 0.00 1.22 10.94 0.00 0.00 0.00 0.05 0.00 0.00 238.20

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.54 0.00 7.54

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7.11 0.00 0.00 0.04 0.66 0.00 0.00 0.00 0.00 0.00 0.00 7.81

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

233.10 0.00 0.00 1.26 11.60 0.00 0.00 0.00 0.05 7.54 0.00 253.55

267



Concepto















Comerica Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

(18.31) (3.79) (10.78) 0.32 7.54

0.35 0.92 1.68 6.81 3.246.52 5.24 6.32 6.31 0.00

(0.91) 0.00 0.00 0.00 0.0014.47 2.60 2.42 (2.86) (2.76)(1.20) (0.16) 0.31 (3.03) (1.60)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(37.94) (98.38) (485.85) (620.00) (517.14)220.16 278.00 501.61 721.70 285.67

0.00 0.00 0.00 0.00 0.00(20.21) (61.63) 56.52 181.63 (12.44)

0.00 0.00 0.00 0.00 0.00

162.93 122.80 72.24 290.89 (237.48)

(7.46) (12.13) (14.01) (13.13) (3.56)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 (28.82) 0.00 0.00

(18.06) (25.90) 0.00 (7.93) (14.25)

(25.52) (38.04) (42.83) (21.05) (17.81)

(0.90) (0.24) (1.68) 10.53 2.27(0.92) 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00(8.25) (4.88) (2.46) (16.15) (1.02)

(10.07) (2.69) (1.71) (4.65) (0.27)

127.34 82.08 27.70 265.18 (255.57)

85.49 85.36 85.55 85.57 349.60

212.83 167.44 113.25 350.75 94.04

268


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Banregio

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,035.31 2,238.04 2,278.16 2,340.52 2,456.97

292.85 380.68 549.17 397.47 326.76127.88 213.95 125.12 97.15 357.73

5.12 1.84 27.79 12.52 19.220.00 0.00 0.00 0.00 0.000.01 0.00 0.01 0.00 0.06

1,629.79 1,673.37 1,602.97 1,873.44 1,787.5324.36 28.07 24.05 19.85 18.70

(106.45) (119.45) (118.19) (131.25) (134.57)10.08 5.36 10.96 14.44 26.7724.98 26.67 26.82 26.69 26.91

0.00 0.00 0.00 0.00 0.0026.36 27.31 28.99 29.91 25.09

0.00 0.00 0.00 0.00 0.000.34 0.23 0.49 0.30 2.78

0.00 0.00 0.00 0.00 0.00

1,345.72 1,535.47 1,553.61 1,618.66 1,718.97

209.48 283.85 315.27 344.36 408.16523.32 586.49 640.13 693.95 641.51

0.00 0.00 0.00 0.00 0.00565.82 601.11 496.59 502.06 577.47

3.22 12.84 27.84 12.91 17.680.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

12.67 12.38 14.83 17.83 8.8631.21 38.80 58.95 47.55 65.29

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

689.59 702.57 724.55 721.86 738.01

591.71 591.70 591.67 591.67 591.70587.61 587.60 587.57 587.57 587.60

4.10 4.10 4.10 4.10 4.100.00 0.00 0.00 0.00 0.00

97.88 110.87 132.87 130.18 146.31429.66 485.80 485.78 470.03 477.58

58.04 1.90 6.64 5.23 69.63

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(413.40) (414.07) (412.33) (409.48) (414.75)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

23.57 37.24 52.79 64.41 13.84

105.82 97.53 94.42 89.95 86.75402.83 393.59 385.97 376.48 365.00

24.01 25.29 26.27 76.58 92.562,235.98 1,311.38 1,435.32 990.21 1,260.69

988.51 1,093.13 1,761.05 1,223.99 1,223.26155.20 99.43 93.18 16.79 48.50

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

269



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Banregio

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

127.88 213.95 125.12 97.15 358.68

117.49 204.53 116.50 82.41 345.66117.49 204.53 116.50 82.41 345.66

24.87 28.69 7.46 15.71 24.5792.62 175.84 109.03 66.70 321.09

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

9.69 8.71 7.67 13.78 13.029.69 8.71 7.67 13.78 13.020.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.009.69 8.71 7.67 13.78 13.020.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.71 0.71 0.96 0.96 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

5.12 1.84 27.79 12.52 19.224,231.35 4,775.77 5,664.94 5,692.15 6,373.494,234.57 4,773.93 5,637.15 5,705.06 6,354.27

3.22 12.84 27.84 12.91 17.681,727.59 1,727.38 3,313.67 3,785.66 4,049.191,737.83 1,719.54 3,290.74 3,798.17 4,031.51

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.01 0.00 0.00 0.00 0.06

0.01 0.00 0.00 0.00 0.060.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00


270


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Banregio

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,654.15 1,701.44 1,627.02 1,893.29 1,806.23

1,629.79 1,673.37 1,602.97 1,873.44 1,787.53

1,517.19 1,630.27 1,559.78 1,676.40 1,746.2968.65 0.00 0.00 154.72 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

43.95 43.11 43.19 42.32 41.240.00 0.00 0.00 0.00 0.00

24.36 28.07 24.05 19.85 18.70

24.36 28.07 24.05 19.85 18.700.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

446.16 449.89 324.62 381.49 393.59

443.60 447.39 321.45 379.05 391.34

443.60 447.39 321.45 379.05 391.340.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

2.56 2.49 3.17 2.43 2.25

2.56 2.49 3.17 2.43 2.250.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

55.07 42.98 41.02 38.85 36.44

55.07 42.98 41.02 38.85 36.44

55.07 42.98 41.02 38.85 36.440.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

271


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Banregio

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,618.43 1,701.40 1,743.98 1,678.06 1,950.91

70.79 164.34 196.30 25.46 189.86

1,194.15 1,119.16 1,088.68 1,178.66 1,274.66

277.66 350.50 375.01 389.23 405.47

8.87 2.07 33.87 34.90 32.91

23.11 22.38 7.84 7.69 6.98

0.00 0.00 0.00 0.00 0.00

43.85 42.95 42.27 42.12 41.03

106.45 119.45 118.19 131.25 134.57

11.76 11.18 10.98 11.79 13.71

63.45 78.70 83.68 86.49 89.76

8.23 1.24 11.99 21.02 19.72

20.20 22.37 7.84 7.69 6.99

0.00 0.00 0.00 0.00 0.00

2.81 5.95 3.69 4.27 4.39

272



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Banregio

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,301.84 1,476.46 1,457.47 1,553.28 1,627.14

209.48 283.85 315.27 344.36 408.16133.43 184.08 190.60 206.81 258.41

76.06 99.76 124.67 137.55 149.75523.32 586.49 640.13 693.95 641.51

0.00 0.00 0.00 0.00 0.0032.76 32.32 17.20 16.74 6.81

490.56 554.17 622.93 677.21 634.700.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

565.82 601.11 497.18 502.06 577.47321.72 385.69 301.94 313.35 369.14

0.00 0.00 0.00 0.00 0.00241.69 215.42 195.63 188.72 208.33

0.00 0.00 0.00 0.00 0.002.41 0.00 (0.40) (0.00) 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

3.22 5.00 4.89 12.91 0.00

3.22 5.00 4.89 12.91 0.00

519.21 510.37 411.12 436.13 515.22

87.15 103.35 120.15 135.85 169.7186.67 103.25 118.85 133.97 168.85

0.49 0.10 1.30 1.88 0.8732.76 32.32 17.20 15.19 5.31

0.00 0.00 0.00 0.00 0.0032.76 32.32 17.20 15.19 5.31

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

399.30 374.69 273.77 285.09 340.20303.93 305.40 225.00 239.65 299.73

0.00 0.00 0.00 0.00 0.0094.42 69.30 48.64 45.44 40.47

0.00 0.00 0.00 0.00 0.000.94 0.00 0.13 0.00 (0.00)0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

273


Concepto








Margen financiero















Resultado Neto

Banregio

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

459.83 353.40 382.00 359.84 1,555.06 360.92

122.27 96.90 100.66 83.59 403.42 88.00115.84 88.97 97.21 80.31 382.33 85.17

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.006.43 7.93 3.45 3.29 21.10 2.830.00 0.00 0.00 0.00 0.00 0.00

190.95 136.73 138.17 103.89 569.74 108.838.70 8.48 8.80 7.61 33.59 6.970.84 0.87 1.04 1.00 3.75 1.33

137.08 110.41 133.32 163.74 544.55 155.790.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

365.37 267.65 296.98 276.00 1,206.00 277.75

53.26 39.37 44.44 39.03 176.10 40.282.28 2.07 2.42 2.55 9.32 2.52

36.66 26.43 28.16 24.85 116.10 25.720.00 0.00 0.00 0.00 0.00 0.00

14.32 10.86 13.87 11.62 50.68 12.040.00 0.00 0.00 0.00 0.00 0.000.43 0.32 0.23 0.36 1.35 0.00

311.67 227.97 252.30 236.61 1,028.55 237.470.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(33.85) (13.82) (11.73) (14.92) (74.31) (20.33)

60.62 71.93 73.29 68.92 274.76 62.84

3.27 15.02 17.51 14.13 49.92 7.64

57.35 56.91 55.78 54.80 224.83 55.20

2.63 2.34 1.94 2.62 9.52 2.855.10 (9.54) (2.71) (2.47) (9.63) 1.63

65.08 49.70 55.01 54.94 224.73 59.68

31.06 23.82 30.12 27.58 112.58 33.9516.61 9.42 14.69 7.89 48.61 15.9913.12 13.00 14.00 18.19 58.31 16.45

1.34 1.40 1.43 1.49 5.66 1.52

34.01 25.88 24.89 27.36 112.14 25.73

2.25 0.60 8.69 1.22 12.76 0.07

36.26 26.48 33.58 28.58 124.90 25.80

14.72 12.62 16.50 9.07 52.91 12.320.00 0.00 0.00 (8.82) (8.82) 0.900.00 0.00 0.00 0.00 0.00 0.00

21.54 13.86 17.09 10.69 63.17 14.38

1.38 0.45 (1.53) 0.92 1.22 (0.54)

22.93 14.30 15.55 11.61 64.39 13.84

0.64 (0.63) (0.00) 0.01 0.02 0.01

0.00 0.00 0.00 0.00 0.00 0.00

23.57 13.67 15.55 11.62 64.41 13.85

274


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Banregio

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2,035.30 2,238.16 2,277.87 2,339.78 2,456.10

292.85 380.68 549.17 397.47 326.76127.88 213.95 125.12 97.15 357.73

5.12 1.84 27.79 12.52 19.220.00 0.00 0.00 0.00 0.000.01 0.00 0.01 0.00 0.06

1,629.79 1,673.37 1,602.97 1,873.44 1,787.5324.36 28.07 24.05 19.85 18.70

(106.45) (119.45) (118.19) (131.25) (134.57)10.19 5.76 11.92 15.61 20.0651.15 53.64 54.49 54.63 56.81

0.00 0.00 0.00 0.00 0.000.06 0.06 0.06 0.06 1.020.00 0.00 0.00 0.00 0.000.34 0.23 0.49 0.30 2.78

0.00 0.00 0.00 0.00 0.00

1,345.70 1,535.58 1,553.32 1,617.92 1,718.10

209.46 283.85 314.32 330.80 400.86523.32 586.41 640.13 693.95 641.51

0.00 0.00 0.00 0.00 0.00565.82 601.11 496.59 502.06 577.47

3.22 12.84 27.84 12.91 17.680.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

12.67 12.38 14.83 17.83 15.2631.22 39.00 59.62 60.37 65.32

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

689.60 702.57 724.55 721.86 738.01

591.71 591.70 591.67 591.67 591.70587.61 587.60 587.57 587.57 587.60

4.10 4.10 4.10 4.10 4.100.00 0.00 0.00 0.00 0.00

97.88 110.87 132.88 130.19 146.31429.66 485.80 485.78 470.03 477.58

58.04 1.90 6.64 5.23 69.63

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(413.40) (414.07) (412.33) (409.48) (414.75)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

23.57 37.24 52.79 64.41 13.84

105.82 97.53 94.42 89.95 86.75402.83 393.59 385.97 376.48 365.00

24.01 25.29 26.27 76.58 92.562,235.98 1,311.38 1,435.32 990.21 1,260.69

988.51 1,093.13 1,761.05 1,223.99 1,223.26155.20 99.43 93.18 16.79 48.50

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

275


Concepto




Margen financiero
















Resultado Neto

Banregio

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

459.83 353.40 381.87 359.78 1,554.88 360.54

365.37 267.65 296.86 275.94 1,205.82 277.37

(33.85) (13.46) (12.09) (14.92) (74.31) (20.33)

60.62 72.29 72.93 68.92 274.75 62.84

3.27 15.02 17.51 14.13 49.92 7.64

57.35 57.26 55.42 54.79 224.82 55.20

2.63 2.34 1.94 2.62 9.52 2.85

5.10 (9.54) (2.71) (2.47) (9.63) 1.63

65.08 50.06 54.65 54.93 224.72 59.68

31.06 23.97 29.98 27.58 112.58 33.9516.61 9.42 14.69 7.89 48.61 15.9913.12 13.15 13.85 18.19 58.31 16.45

1.34 1.40 1.43 1.49 5.66 1.52

34.01 26.09 24.67 27.36 112.13 25.73

2.25 0.60 8.69 1.23 12.77 0.07

36.26 26.69 33.36 28.59 124.90 25.80

14.72 12.62 16.50 9.07 52.91 12.320.00 0.00 0.00 (8.82) (8.82) 0.900.00 0.00 0.00 0.00 0.00 0.00

21.54 14.07 16.86 10.70 63.17 14.38

1.38 0.23 (1.32) 0.92 1.22 (0.54)

22.93 14.30 15.54 11.62 64.39 13.84

0.64 (0.63) (0.00) 0.01 0.02 0.01

0.00 0.00 0.00 0.00 0.00 0.00

23.57 13.67 15.54 11.63 64.41 13.85

276






















Banregio

587.59 4.10 0.00 470.05 69.63 0.00 0.00 0.00 (414.75) 0.00 0.00 716.63

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 7.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.53

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

587.59 4.10 0.00 477.58 69.63 0.00 0.00 0.00 (414.75) 13.84 0.00 738.01

277



Concepto















Banregio

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

23.57 37.24 52.79 64.41 13.84

1.34 2.74 3.16 4.06 0.713.27 18.29 20.47 49.92 7.64

14.25 22.64 21.87 33.29 4.83(3.66) (7.54) (12.89) (12.57) 1.15

0.00 0.00 0.00 0.00 (8.97)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 (0.00) 0.00

(89.49) 83.41 63.15 138.92 100.28(75.92) (124.88) (44.64) (327.30) 82.79

0.00 0.00 0.00 0.00 0.00(62.06) (131.34) (48.11) (20.12) (263.71)(5.76) (21.42) (0.45) (22.42) 2.37

(194.48) (120.87) 55.35 (91.82) (59.07)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

(7.87) (4.83) (6.11) (7.14) 27.010.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.004.26 15.44 9.28 5.59 (36.18)

(3.39) 10.84 3.13 (1.40) (11.65)

(197.87) (110.03) 58.48 (93.23) (70.73)

490.72 490.72 490.69 490.69 397.48

292.85 380.69 549.17 397.47 326.76

278


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Bank of America

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,265.58 1,318.96 2,037.15 2,283.15 2,348.95

115.22 198.12 149.93 875.32 993.74306.69 104.50 881.81 484.24 396.30

2.53 0.00 2.14 1.04 1.750.00 0.00 0.00 0.00 0.000.00 0.00 11.69 57.45 64.50

711.92 855.31 886.04 779.19 803.220.00 0.00 0.00 0.00 0.00

(1.30) (0.73) (3.39) (0.89) (0.75)66.41 108.85 67.83 53.55 58.0146.21 35.42 34.60 33.21 31.24

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.90

17.89 17.48 6.46 0.00 0.000.02 0.02 0.05 0.04 0.04

0.00 0.00 0.00 0.00 0.00

468.02 512.88 1,235.97 1,547.58 1,634.43

66.40 78.94 79.06 79.77 285.31285.85 261.25 1,092.54 1,427.45 628.47

0.00 0.00 0.00 0.00 0.006.18 72.54 14.52 0.00 0.000.78 0.87 3.21 0.50 0.340.00 0.00 0.00 0.00 0.00

21.78 36.04 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

87.03 63.24 46.64 39.86 719.790.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.52

797.56 806.08 801.18 735.56 714.52

1,458.78 1,456.62 1,459.93 1,460.26 1,460.191,458.78 1,456.62 1,459.93 1,460.26 1,460.19

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(661.22) (650.54) (658.75) (724.70) (745.68)39.25 39.20 39.29 39.29 39.29

(196.68) (196.46) (196.91) (196.96) (343.09)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(419.40) (418.78) (419.73) (420.88) (420.75)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(84.40) (74.49) (81.39) (146.14) (21.13)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

779.55 652.46 685.12 596.23 615.270.00 0.00 0.00 0.00 0.00

470.83 999.99 569.86 1,093.97 2,150.350.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

279



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Bank of America

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

306.69 104.50 881.81 484.24 396.30

305.69 103.53 880.86 483.31 396.30305.69 103.53 880.86 483.31 396.30193.86 42.21 39.55 65.35 30.89111.83 61.32 841.31 417.95 365.41

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.99 0.97 0.95 0.93 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

2.53 0.00 2.14 1.04 1.75526.65 1,144.02 1,933.15 650.32 627.74524.12 1,144.24 1,931.01 650.83 625.99

0.78 0.87 3.21 0.50 0.34166.40 54.57 1,610.54 957.35 558.19165.62 53.92 1,607.34 958.38 557.85

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 11.69 57.45 64.50

0.00 0.00 11.69 57.45 64.500.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

21.78 36.04 0.00 0.00 0.00

21.78 36.04 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

280


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Bank of America

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

711.92 855.31 886.04 779.19 803.22

711.92 855.31 886.04 779.19 803.22

336.51 837.54 486.05 461.06 559.15375.40 17.76 399.98 318.13 244.07

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.88 4.37 4.55 0.53 0.00

0.88 4.37 4.55 0.53 0.00

0.88 4.37 0.00 0.00 0.000.00 0.00 4.55 0.53 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

281


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Bank of America

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,275.97 1,457.25 1,478.59 1,532.54 1,333.47

1,122.62 1,329.84 1,407.13 1,201.42 1,247.00

153.35 127.41 71.45 331.12 86.47

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

1.30 0.73 3.39 0.89 0.75

1.30 0.73 3.39 0.89 0.75

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

282



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Bank of America

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

358.43 413.60 1,186.71 1,507.72 914.13

66.40 78.94 79.06 79.77 285.3164.16 74.93 76.94 78.62 281.99

2.24 4.01 2.12 1.15 3.33285.85 261.25 1,092.54 1,427.45 628.47

0.00 0.00 0.00 0.00 0.000.00 0.02 4.32 0.01 0.00

285.85 261.23 1,088.22 1,427.44 628.470.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

6.18 72.54 15.11 0.00 0.006.18 40.19 14.52 0.00 0.000.00 32.35 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.58 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.87 0.00 0.50 0.34

0.00 0.87 0.00 0.50 0.34

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

283


Concepto








Margen financiero















Resultado Neto

Bank of America

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

186.37 136.75 153.42 219.59 696.14 190.39

70.00 55.77 56.56 51.61 233.95 40.1361.43 53.29 51.37 48.46 214.54 39.73

8.57 2.48 5.19 3.15 19.40 0.400.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

71.54 58.53 49.95 91.17 271.20 75.7214.59 7.31 9.94 6.47 38.31 6.88

0.00 0.00 0.00 0.00 0.00 0.0030.24 15.13 36.98 69.31 151.65 44.45

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 1.04 1.04 23.200.00 0.00 0.00 0.00 0.00 0.00

146.06 90.33 104.65 184.42 525.46 159.07

80.66 26.26 41.05 68.58 216.55 38.030.61 0.81 1.87 1.41 4.71 0.73

78.35 24.96 38.51 66.98 208.80 37.200.00 0.00 0.00 0.00 0.00 0.001.70 0.49 0.67 0.18 3.05 0.100.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

65.39 64.07 63.60 114.23 307.29 92.250.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 1.62 1.62 28.79

(36.66) (17.36) (23.64) (17.05) (94.71) (21.47)

3.65 29.06 25.14 18.12 75.97 9.85

1.34 (0.55) 2.70 (2.46) 1.02 0.75

2.32 29.61 22.44 20.58 74.95 9.10

2.24 1.22 1.05 3.17 7.69 1.38(29.97) (1.03) 10.87 (1.04) (21.17) (1.08)

(25.41) 29.81 34.36 22.71 61.47 9.39

68.65 51.16 38.04 77.24 235.10 37.0633.95 22.27 27.42 46.04 129.67 19.9431.18 16.74 16.51 28.92 93.34 16.03

3.53 12.16 (5.89) 2.29 12.09 1.09

(94.07) (21.35) (3.68) (54.53) (173.63) (27.67)

9.67 31.74 7.46 (4.39) 44.48 6.59

(84.40) 10.39 3.78 (58.93) (129.15) (21.08)

0.00 0.49 0.00 (0.48) 0.00 0.050.00 0.00 (10.69) (6.31) (17.00) 0.000.00 0.00 0.00 0.00 0.00 0.00

(84.40) 9.90 (6.90) (64.75) (146.15) (21.13)

0.00 0.00 0.00 0.00 0.00 0.00

(84.40) 9.90 (6.90) (64.75) (146.15) (21.13)

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(84.40) 9.90 (6.90) (64.75) (146.15) (21.13)

284






















Bank of America

1,415.72 0.00 0.00 38.09 (190.96) 0.00 0.00 0.00 (408.04) (141.69) 0.00 713.13

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 (141.69) 0.00 0.00 0.00 0.00 141.69 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 (21.13) 0.00 (21.13)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

44.48 0.00 0.00 1.20 (10.45) 0.00 0.00 0.00 (12.70) 0.00 0.00 22.52

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1,460.19 0.00 0.00 39.29 (343.09) 0.00 0.00 0.00 (420.75) (21.13) 0.00 714.52

285



Concepto















Bank of America

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

(84.40) (74.49) (81.39) (146.14) (21.13)

8.72 7.01 7.71 12.09 5.90(0.31) (0.88) 1.79 (0.54) (0.14)(5.91) (26.33) (18.29) 17.00 (14.61)51.38 71.77 29.14 (58.95) (59.61)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(546.21) (490.54) 280.81 611.11 (593.44)433.17 288.04 259.91 366.88 (24.03)

0.00 0.00 0.00 0.00 0.00(283.89) (85.32) (867.44) (429.02) 138.69

468.56 422.43 450.87 (26.67) 690.68

41.12 111.70 63.11 345.74 122.32

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 (9.44) 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 455.19 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 445.75 0.00

(16.67) (4.22) (4.02) (7.03) (3.91)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(16.67) (4.22) (4.02) (7.03) (3.91)

24.45 107.48 59.09 784.45 118.42

90.78 90.64 90.84 90.87 875.32

115.22 198.12 149.93 875.32 993.74

286


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Bansi

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,095.14 1,243.79 1,243.18 1,595.91 1,546.84

240.03 326.56 274.82 226.19 271.6068.02 174.00 285.58 490.07 270.60

9.88 4.56 7.54 5.74 5.020.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

755.30 725.94 675.90 827.78 948.3712.60 15.21 18.24 12.64 17.12

(14.95) (18.38) (32.34) (30.76) (35.17)7.14 6.86 5.44 15.48 19.949.78 8.94 7.95 9.46 9.100.00 0.00 0.00 0.00 0.650.00 0.00 0.00 0.00 0.007.02 0.00 0.00 0.00 0.000.33 0.11 0.04 39.31 39.61

0.00 0.00 0.00 0.00 0.00

827.86 955.61 937.07 1,267.36 1,196.37

236.49 311.18 275.66 298.69 322.98462.98 403.17 425.53 716.53 623.06

0.00 0.00 0.00 0.00 0.0084.90 191.87 186.22 187.85 170.48

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 2.91 0.35 20.10 19.18

43.50 46.49 49.31 44.20 60.660.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

267.28 288.18 306.12 328.55 350.47

288.86 288.78 289.75 288.71 288.69288.86 288.78 289.75 288.71 288.69

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(21.58) (0.60) 16.37 39.85 61.782.14 5.43 5.44 5.26 5.26

45.40 41.22 40.49 40.41 132.16

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(100.01) (98.72) (101.06) (101.57) (100.03)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

30.89 51.47 71.49 95.75 24.38

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

36.40 49.88 36.95 20.33 25.15136.27 128.44 118.51 157.32 148.95

2,113.21 700.38 756.74 1,085.64 971.75320.86 46.66 165.28 59.41 192.39

0.00 0.00 0.00 0.00 0.0082.66 82.68 0.00 0.00 0.00

287



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Bansi

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

68.02 174.00 285.58 490.07 270.60

67.99 173.97 285.56 490.05 270.6067.99 173.97 285.56 490.05 270.6067.99 173.97 285.56 490.05 0.00

0.00 0.00 0.00 0.00 270.600.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.02 0.02 0.02 0.02 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

9.98 4.56 7.54 5.74 5.023,504.62 3,296.98 5,038.59 4,429.57 5,125.433,494.64 3,293.59 5,031.05 4,425.40 5,120.41

0.11 0.00 0.00 0.00 0.00127.02 154.89 0.00 807.61 490.00126.92 156.05 0.00 809.18 490.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

288


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Bansi

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

767.90 741.16 694.15 840.42 965.48

755.30 725.94 675.90 827.78 948.37

747.43 716.67 666.92 818.53 938.230.00 0.00 0.00 0.00 0.006.26 7.68 7.44 7.77 8.740.00 0.00 0.00 0.00 0.001.61 1.59 1.55 1.48 1.390.00 0.00 0.00 0.00 0.00

12.60 15.21 18.24 12.64 17.12

12.60 15.21 18.24 12.64 17.120.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

39.47 40.81 21.56 34.52 24.21

39.47 40.81 21.56 34.52 24.21

39.47 40.81 21.56 34.52 24.210.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

289


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Bansi

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

766.23 784.26 774.13 710.62 909.03

669.72 672.55 568.26 547.52 681.26

6.98 19.86 57.61 24.62 69.95

29.13 24.25 68.09 47.78 53.98

8.44 16.15 16.92 29.88 27.79

51.96 0.43 0.42 0.43 0.40

0.00 51.01 62.83 60.37 75.65

0.00 0.00 0.00 0.00 0.00

14.95 18.38 32.34 30.76 35.17

0.08 0.21 0.63 0.27 0.76

6.25 5.19 14.82 10.44 11.78

5.43 10.36 11.05 19.60 18.19

0.47 0.46 0.46 0.45 0.44

2.73 2.16 0.00 0.00 0.00

0.00 0.00 5.39 0.00 4.01

290



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Bansi

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

784.36 906.54 887.99 1,203.07 1,116.52

236.49 311.18 275.66 298.69 322.98187.72 252.84 209.80 222.71 250.27

48.77 58.34 65.85 75.98 72.71462.98 403.17 425.53 716.53 623.06

0.00 0.00 0.00 0.00 0.00108.62 105.45 120.98 142.39 175.33354.35 297.72 304.55 574.14 447.73

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

84.90 192.19 186.80 187.85 170.480.00 0.00 0.01 0.00 0.000.00 0.00 15.86 0.00 0.00

83.69 191.87 170.25 187.85 170.480.32 0.31 0.00 0.00 0.000.89 0.01 0.68 (0.00) (0.00)0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

16.89 17.10 116.46 85.60 130.48

0.00 0.00 104.19 70.62 121.810.00 0.00 104.19 70.62 121.810.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

16.89 17.10 12.26 14.98 8.670.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

16.67 17.10 11.63 14.98 8.670.00 0.00 0.00 0.00 0.000.21 0.00 0.63 (0.00) (0.00)0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

291


Concepto








Margen financiero















Resultado Neto

Bansi

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

433.94 311.57 275.80 323.49 1,344.81 276.51

85.02 63.08 63.37 62.02 273.49 90.0864.70 49.94 47.78 43.68 206.10 81.2917.82 8.83 8.36 6.46 41.47 7.77

2.22 4.44 7.19 11.85 25.70 0.980.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.29 (0.14) 0.04 0.04 0.22 0.03

346.53 245.47 195.65 231.72 1,019.38 173.740.00 0.00 13.38 25.56 38.94 7.772.39 3.02 3.40 4.19 13.00 4.920.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

376.11 262.95 222.37 273.09 1,134.52 224.06

62.10 34.40 43.49 45.05 185.04 38.305.53 5.00 6.07 5.53 22.13 4.10

27.48 17.55 18.43 25.09 88.55 19.216.96 2.45 2.51 0.53 12.45 0.28

22.14 9.39 16.48 13.89 61.90 14.700.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

314.01 228.56 178.88 228.04 949.49 185.760.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(8.10) (5.80) (6.17) (7.69) (27.76) (7.59)

49.74 42.81 47.27 42.71 182.52 44.86

3.93 3.79 14.47 (0.74) 21.45 5.39

45.81 39.02 32.80 43.44 161.07 39.47

1.99 3.01 3.90 3.73 12.64 1.1243.81 20.97 24.25 36.44 125.47 37.25

91.60 63.00 60.95 83.62 299.18 77.84

44.23 31.60 32.95 66.76 175.54 41.709.25 9.19 10.20 9.47 38.11 12.73

34.16 21.56 22.17 57.43 135.32 28.410.82 0.84 0.59 (0.13) 2.12 0.56

47.37 31.40 28.00 16.86 123.64 36.14

0.64 2.85 3.73 8.66 15.87 2.29

48.01 34.26 31.72 25.52 139.51 38.43

5.25 4.29 13.36 (15.25) 7.65 14.35(11.87) (9.38) 1.65 (16.51) (36.12) 0.30

0.00 0.00 0.00 0.00 0.00 0.00

30.89 20.58 20.01 24.26 95.75 24.38

0.00 0.00 0.00 0.00 0.00 0.00

30.89 20.58 20.01 24.26 95.75 24.38

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

30.89 20.58 20.01 24.26 95.75 24.38

292






















Bansi

279.90 0.00 0.00 5.10 39.17 0.00 0.00 0.00 (98.47) 92.83 0.00 318.53

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 92.83 0.00 0.00 0.00 0.00 (92.83) 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 24.38 0.00 24.38

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 (0.13) 0.00 0.00 (0.13)

8.79 0.00 0.00 0.16 0.16 0.00 0.00 0.00 (1.43) 0.00 0.00 7.69

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

288.69 0.00 0.00 5.26 132.16 0.00 0.00 0.00 (100.03) 24.38 0.00 350.47

293



Concepto















Bansi

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

30.89 51.47 71.47 95.75 24.38

0.82 1.66 2.25 2.12 0.560.00 0.00 22.19 0.00 5.40

21.06 7.74 0.02 21.48 0.000.00 0.00 0.00 0.00 0.000.00 30.79 42.50 43.76 0.300.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(221.18) (97.92) (118.73) 196.49 (49.85)(2.84) 31.96 94.43 (53.10) (145.35)

0.00 0.00 0.00 0.00 0.00159.85 77.80 (39.36) (238.83) 205.06

(253.45) (48.99) (73.61) (74.48) 6.99

(264.85) 54.52 1.17 (6.81) 47.49

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

14.49 22.52 23.64 (17.13) (2.09)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

14.49 22.52 23.64 (17.13) (2.09)

(250.37) 77.04 24.80 (23.94) 45.40

490.40 249.52 250.02 250.13 226.20

240.03 326.56 274.82 226.19 271.60

294


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden



I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,329.11 1,560.92 1,360.71 1,527.14 1,244.03

336.02 404.02 364.87 426.10 322.2723.48 101.11 70.25 130.97 66.33

0.29 0.01 0.01 0.00 0.730.00 0.00 0.00 0.00 0.000.52 0.81 0.92 0.53 0.32

984.76 1,067.39 921.07 967.73 836.810.00 0.00 0.00 0.00 0.00

(25.16) (20.69) (4.11) (5.34) (3.32)0.64 0.44 0.43 0.39 14.618.35 7.61 7.03 6.55 6.070.00 0.00 0.00 0.00 0.000.23 0.24 0.24 0.25 0.250.00 0.00 0.00 0.00 0.00

(0.02) (0.02) (0.02) (0.03) (0.03)

0.00 0.00 0.00 0.00 0.00

1,000.98 1,225.05 1,005.44 1,165.62 886.83

155.31 142.43 160.77 152.14 196.75609.55 754.27 513.90 679.17 542.92

0.00 0.00 0.00 0.00 0.00221.51 310.76 310.21 314.15 130.03

0.00 0.12 0.00 0.04 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

14.61 17.47 20.55 20.10 17.120.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.01 0.00 0.01 0.02 0.01

328.13 335.87 355.27 361.52 357.20

439.23 436.01 433.41 434.21 428.93334.21 333.70 359.19 359.28 359.28

0.00 0.00 0.00 0.00 0.00105.02 102.31 74.22 74.93 69.65

(111.10) (100.13) (78.14) (72.69) (71.73)3.11 3.11 3.12 3.12 3.128.17 8.14 8.13 7.48 47.88

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(117.21) (123.39) (123.69) (123.69) (123.69)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(5.17) 12.01 34.31 40.40 0.96

0.00 0.00 0.00 0.00 0.00504.00 492.44 482.91 451.44 437.67197.40 174.20 98.70 110.49 22.99

0.00 0.00 0.00 0.00 0.0030.64 25.96 27.72 25.42 23.41

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

550.94 334.00 250.38 217.83 237.16

295



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto










I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

23.48 101.11 70.25 130.97 66.33

23.48 101.11 70.25 130.97 66.3323.48 101.11 70.25 130.97 66.3323.48 50.43 21.22 82.39 20.01

0.00 0.00 0.00 0.00 0.000.00 50.68 49.03 48.58 46.320.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.29 0.01 0.01 0.00 0.735.75 12.69 31.34 25.57 30.755.45 12.81 31.32 25.61 30.02

0.00 0.12 0.00 0.04 0.000.00 6.47 0.00 0.00 50.000.00 6.48 0.00 0.00 50.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.52 0.81 0.92 0.53 0.32

0.52 0.81 0.92 0.53 0.320.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

296


Concepto


Cartera vigente





Cartera vigente





Cartera vigente





I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

984.76 1,067.39 921.07 967.73 836.81

984.76 1,067.39 921.07 967.73 836.81

984.76 1,067.39 921.07 967.73 836.810.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

450.87 565.87 461.35 550.74 395.80

450.87 565.87 461.35 550.74 395.80

450.87 565.87 461.35 550.74 395.800.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

297


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable




I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,115.50 1,155.05 1,217.57 994.70 1,045.33

741.68 826.29 892.94 788.29 717.24

258.50 216.45 234.93 196.17 318.11

115.32 112.10 89.70 10.25 9.98

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.20 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

25.16 20.69 4.11 5.34 3.32

2.22 2.40 2.01 3.28 1.37

22.95 18.29 2.10 2.06 1.95

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

298



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/




I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

986.36 1,207.57 985.46 1,145.50 869.70

155.31 142.43 160.77 152.14 196.75144.54 135.75 146.43 136.81 135.28

10.77 6.68 14.34 15.32 61.47609.55 754.27 513.90 679.17 542.92

0.00 0.00 0.00 0.00 0.00443.40 416.44 421.65 340.96 397.15166.15 337.83 92.25 338.20 145.77

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

221.51 310.76 310.79 314.15 130.03200.54 310.76 310.21 314.15 127.03

20.97 0.00 0.00 0.00 3.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.58 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.12 0.00 0.04 0.00

0.00 0.12 0.00 0.04 0.00

542.35 687.46 637.52 655.78 558.05

127.57 119.09 129.30 127.07 130.56127.57 119.09 129.30 118.97 121.60

0.00 0.00 0.00 8.11 8.96326.32 257.61 251.59 214.55 300.47

0.00 0.00 0.00 0.00 0.00326.32 257.61 251.59 214.55 300.47

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

88.46 310.76 256.63 314.15 127.0388.46 310.76 256.63 314.15 127.03

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

299


Concepto








Margen financiero















Resultado Neto


I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

64.20 50.98 52.48 46.52 214.18 40.13

58.51 47.73 48.52 41.67 196.43 35.4251.09 41.19 41.04 34.87 168.19 29.40

7.43 6.53 7.47 6.81 28.24 6.020.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.003.69 1.95 2.76 2.59 10.99 2.070.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.002.00 1.30 1.20 2.26 6.76 2.640.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

45.90 33.14 33.52 29.80 142.36 25.02

41.91 31.50 31.76 21.82 126.99 21.650.97 1.12 1.31 1.21 4.61 1.24

30.64 22.72 23.54 19.79 96.69 16.400.00 0.00 0.00 0.00 0.00 0.00

10.31 7.66 6.91 0.81 25.69 4.020.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.003.98 1.64 1.76 7.98 15.36 3.370.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(16.47) 1.69 (5.12) (6.86) (26.75) (8.72)

1.84 19.53 13.84 9.86 45.08 6.38

0.77 (0.00) 0.00 1.80 2.57 0.00

1.07 19.53 13.84 8.07 42.51 6.38

1.02 1.08 1.05 1.18 4.34 0.985.22 6.03 4.98 9.86 26.08 5.17

7.31 26.64 19.87 19.11 72.93 12.53

13.97 13.43 14.18 13.46 55.04 13.727.14 6.66 7.03 6.49 27.31 6.865.77 5.78 6.09 5.90 23.55 5.991.06 0.99 1.06 1.07 4.18 0.88

(6.66) 13.21 5.69 5.65 17.89 (1.19)

1.48 3.97 16.61 0.44 22.51 2.41

(5.17) 17.18 22.30 6.09 40.40 1.22

0.00 0.00 0.00 0.00 0.00 0.260.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(5.17) 17.18 22.30 6.09 40.40 0.96

0.00 0.00 0.00 0.00 0.00 0.00

(5.17) 17.18 22.30 6.09 40.40 0.96

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(5.17) 17.18 22.30 6.09 40.40 0.96

300























348.32 0.00 72.65 3.02 7.25 0.00 0.00 0.00 (119.91) 39.17 0.00 350.50

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 39.17 0.00 0.00 0.00 0.00 (39.17) 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.96 0.00 0.96

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 (3.00) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 (3.00)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.14 0.00 0.00 0.14

10.96 0.00 0.00 0.10 1.46 0.00 0.00 0.00 (12.51) 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.61 0.00 0.00 8.61

359.28 0.00 69.65 3.12 47.88 0.00 0.00 0.00 (123.69) 0.96 0.00 357.20

301



Concepto
















I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

(5.17) 12.01 34.31 40.40 0.96

0.85 1.73 2.73 3.80 0.30(1.74) (6.17) (22.81) (21.59) (2.02)

0.00 0.00 0.00 0.00 (0.76)7.05 0.67 25.35 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 24.74 0.00

13.07 235.65 10.85 171.20 (275.76)65.52 (18.71) 129.99 83.59 130.920.00 0.00 0.00 0.00 0.006.61 (70.95) (40.26) (100.52) 64.080.00 0.00 0.00 0.00 0.00

86.20 154.22 140.17 201.63 (82.28)

(9.15) 0.00 (40.04) 0.00 (5.29)0.00 0.00 0.00 0.00 0.000.00 (11.69) 0.00 (39.36) 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(19.16) (16.06) (13.04) (13.45) (16.44)

(28.31) (27.75) (53.08) (52.81) (21.72)

(0.22) (0.38) (0.79) (1.38) (0.01)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(0.23) (0.39) (0.80) (1.36) 0.17

57.65 126.07 86.30 147.46 (103.84)

278.36 277.94 278.57 278.64 426.10

336.02 404.02 364.87 426.10 322.27

302


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Chase Manhattan

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,361.06 1,401.90 1,247.40 1,273.01 2,340.09

123.40 376.89 289.28 181.93 741.24377.28 227.26 185.03 358.73 530.30

0.81 2.76 0.00 0.00 1.750.00 0.00 0.00 0.00 0.00

70.65 58.60 63.96 106.34 126.87704.84 678.21 635.72 574.06 507.49

0.00 0.00 0.00 0.00 0.00(0.12) (1.54) (2.46) (2.74) (2.66)38.87 25.56 43.86 24.08 398.8344.83 33.67 31.53 30.15 29.15

0.00 0.00 0.00 0.00 0.000.50 0.49 0.48 0.46 7.130.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

555.43 607.82 436.42 460.61 1,521.28

0.00 0.00 0.00 0.00 0.00378.88 486.46 241.67 337.77 756.67

0.00 0.00 0.00 0.00 0.0096.54 0.00 106.01 16.16 697.52

1.06 2.89 0.98 3.17 0.340.00 0.00 0.00 0.00 0.000.00 0.00 0.00 9.91 1.310.66 3.95 5.44 39.05 50.65

78.30 114.52 82.31 54.54 14.790.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

805.63 794.08 810.98 812.40 818.80

744.75 741.46 741.55 743.96 743.96744.75 741.46 741.55 743.96 743.96

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

60.88 52.62 69.43 68.44 74.84455.96 458.59 458.65 460.14 460.14

4.67 0.00 0.00 0.00 64.90

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(457.09) (455.07) (455.13) (456.61) (456.61)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

57.34 49.10 65.91 64.90 6.40

0.00 0.00 0.00 0.00 0.001,087.10 1,062.17 1,031.68 1,006.32 966.77

267.96 261.05 257.49 255.66 251.663,925.90 3,730.09 3,753.03 4,731.40 5,128.82

62,135.12 64,051.24 54,951.97 68,694.00 64,996.550.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

385.70 8,357.51 5,094.83 2,808.03 6,419.34

303



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Chase Manhattan

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

377.28 227.26 185.03 358.73 530.30

370.59 220.60 178.37 352.04 530.30370.59 220.60 178.37 352.04 530.30

39.78 93.18 36.46 29.75 (224.26)74.36 25.30 25.56 23.85 466.24

256.45 102.13 116.35 298.44 288.320.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

6.69 6.66 6.66 6.68 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.81 2.76 0.00 0.00 1.753,848.97 2,091.39 2,161.88 2,503.16 3,385.253,850.02 2,094.28 2,162.45 2,505.85 3,383.50

1.06 2.89 0.98 3.17 0.341,213.19 959.21 1,241.03 488.82 301.361,214.00 961.97 1,240.62 488.33 301.02

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

70.65 58.60 63.96 106.34 126.87

70.65 58.60 63.96 106.34 126.870.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 9.91 1.31

0.00 0.00 0.00 9.91 1.310.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

304


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Chase Manhattan

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

704.84 678.21 635.72 574.06 507.49

704.84 678.21 635.72 574.06 507.49

119.19 40.11 35.87 49.95 23.37585.65 638.10 599.85 524.11 484.12

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.20 0.10 0.00 0.00 0.00

0.20 0.10 0.00 0.00 0.00

0.20 0.10 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

305


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Chase Manhattan

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

282.60 950.48 921.08 871.25 804.41

276.24 796.82 675.10 596.94 597.98

6.06 153.66 245.98 274.32 206.43

0.29 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.12 1.54 2.46 2.74 2.66

0.06 1.54 2.46 2.74 2.66

0.06 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

306



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Chase Manhattan

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

476.47 489.35 349.25 357.11 1,454.53

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

378.88 486.45 241.67 337.77 756.670.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

378.88 486.45 241.67 337.77 756.670.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

96.54 0.00 106.59 16.16 697.5214.56 0.00 106.01 0.00 697.5281.97 0.00 0.00 16.16 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.58 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

1.06 2.89 0.98 3.17 0.34

1.06 2.89 0.98 3.17 0.34

0.00 0.00 0.00 0.00 697.52

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 697.520.00 0.00 0.00 0.00 697.520.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

307


Concepto








Margen financiero















Resultado Neto

Chase Manhattan

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

273.17 221.91 180.08 177.93 853.09 169.42

41.35 41.88 41.94 38.45 163.62 33.3711.01 (3.14) 7.04 3.00 17.91 2.9830.24 45.02 34.91 35.45 145.62 30.39

0.10 (0.00) (0.00) (0.00) 0.09 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

120.06 90.91 45.81 41.33 298.10 85.233.43 14.16 22.74 10.95 51.28 7.000.00 0.00 0.00 0.00 0.00 0.00

105.88 74.75 69.29 86.88 336.81 42.082.46 0.21 0.29 0.32 3.28 1.740.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

217.64 196.80 187.99 139.76 742.19 133.07

34.20 56.61 83.34 30.71 204.85 25.633.79 (0.09) 0.81 (0.11) 4.40 0.00

19.81 52.89 77.81 26.35 176.86 21.360.00 0.00 0.00 0.00 0.00 0.00

10.60 3.81 4.71 4.47 23.59 4.280.00 0.00 0.00 0.00 0.00 0.002.95 2.59 3.25 5.69 14.48 0.00

180.49 137.61 101.40 103.35 522.86 107.440.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(34.04) (15.39) (14.64) (33.60) (97.67) (31.21)

21.49 9.71 (22.54) 4.57 13.23 5.14

0.06 1.42 0.96 0.35 2.80 0.00

21.43 8.29 (23.51) 4.22 10.43 5.14

5.69 4.74 4.09 4.05 18.57 4.0768.22 36.53 76.28 8.78 189.81 38.68

95.34 49.56 56.87 17.05 218.81 47.89

43.52 39.40 37.24 29.21 149.37 37.8426.01 24.31 20.56 12.16 83.03 21.8314.86 13.05 14.42 14.81 57.14 13.82

2.66 2.04 2.25 2.24 9.20 2.19

51.82 10.16 19.63 (12.17) 69.44 10.06

3.20 (7.40) (0.10) 38.42 34.11 9.14

55.01 2.76 19.53 26.25 103.55 19.19

4.04 9.15 1.17 (6.82) 7.54 0.006.37 (3.49) (1.56) (34.08) (32.75) (12.79)0.00 0.00 0.00 0.00 0.00 0.00

57.34 (9.88) 16.81 (1.01) 63.26 6.40

0.00 1.64 0.00 0.00 1.64 0.00

57.34 (8.24) 16.81 (1.01) 64.90 6.40

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

57.34 (8.24) 16.81 (1.01) 64.90 6.40

308






















Chase Manhattan

743.96 0.00 0.00 460.14 0.00 0.00 0.00 0.00 (456.61) 64.90 0.00 812.40

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 64.90 0.00 0.00 0.00 0.00 (58.50) 0.00 6.40

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

743.96 0.00 0.00 460.14 64.90 0.00 0.00 0.00 (456.61) 6.40 0.00 818.80

309



Concepto















Chase Manhattan

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

57.34 49.10 65.91 64.90 6.40

2.66 4.70 6.95 9.20 0.820.00 1.48 2.44 2.68 0.00

11.26 (2.96) 28.81 0.00 0.00(20.93) (1.76) (6.77) (48.20) (24.24)(6.35) (2.89) 2.04 40.29 12.79

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

157.61 264.95 20.42 116.10 418.90(693.89) (633.10) (591.27) (563.13) 66.57

0.00 0.00 0.00 0.00 0.00623.40 766.01 803.74 645.26 (187.72)

0.00 0.00 0.00 (187.62) (415.76)

131.09 445.54 332.27 79.47 (122.23)

0.00 0.00 0.00 0.00 0.00(251.14) (345.38) (239.67) (330.51) 681.36

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(251.14) (345.38) (239.67) (330.51) 681.36

0.00 0.00 0.00 8.28 0.180.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(191.45) (169.12) (226.63) 0.00 0.00

(181.68) (146.54) (226.63) 8.28 0.18

(301.73) (46.37) (134.04) (242.76) 559.31

425.14 423.26 423.31 424.69 181.93

123.40 376.89 289.28 181.93 741.24

310


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


B. N. P.

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,984.73 1,335.06 1,213.96 1,246.48 2,728.93

550.66 428.75 340.01 542.31 681.92460.49 285.60 228.38 244.30 219.20

7.44 0.25 0.59 0.12 1.920.00 0.00 0.00 0.00 0.000.23 2.09 4.43 4.66 14.26

911.70 548.33 577.03 389.62 321.520.00 41.33 33.44 43.38 31.38

(3.45) (30.95) (29.03) (37.11) (35.12)3.67 7.00 6.88 8.30 1,444.24

42.94 42.13 42.08 41.16 40.450.00 0.00 0.00 0.00 0.000.95 0.93 0.91 0.89 0.720.00 0.00 0.00 0.00 0.00

10.10 9.62 9.25 8.86 8.45

0.00 0.00 0.00 0.00 0.00

1,801.91 1,179.06 1,050.60 1,081.81 2,491.69

9.11 13.83 8.30 9.64 23.541,505.48 797.91 829.48 730.74 706.04

0.00 0.00 0.00 0.00 0.00165.09 262.41 105.39 236.59 0.00

7.44 0.38 0.58 0.09 1.660.00 0.00 0.00 0.00 0.00

11.08 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

24.04 27.20 31.13 30.10 1,759.7378.88 76.86 74.36 73.77 0.00

0.00 0.00 0.00 0.00 0.000.80 0.48 1.36 0.88 0.72

182.82 155.99 163.36 164.66 237.25

303.69 303.23 303.92 304.00 374.57303.69 303.23 303.92 304.00 374.57

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(120.87) (147.24) (140.56) (139.33) (137.33)0.00 0.00 0.00 0.00 0.00

(89.95) (89.82) (89.35) (90.04) (93.94)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(45.44) (45.21) (45.47) (45.48) (45.53)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

14.52 (12.21) (5.74) (3.81) 2.14

2,296.69 1,999.24 1,370.67 1,404.25 1,206.11502.15 500.58 499.69 537.57 564.25192.86 190.69 194.02 128.52 259.31

0.00 0.00 0.00 0.00 0.00235.63 191.30 220.66 283.44 244.37111.14 352.38 232.14 279.16 318.75

0.00 0.00 0.00 0.00 0.004,714.47 5,855.71 6,237.47 2,009.71 2,827.62

311



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









B. N. P.

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

460.48 285.60 228.38 244.30 219.20

381.68 208.83 154.10 170.63 149.50381.68 208.83 154.10 170.63 149.50166.79 156.62 154.10 150.56 146.61214.89 52.20 0.00 20.06 2.89

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

78.80 76.77 74.27 73.67 69.7178.80 76.77 74.27 73.67 69.71

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

78.80 76.77 74.27 73.67 69.710.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

7.44 0.25 0.59 0.12 1.91486.45 372.85 351.02 282.87 805.11479.01 373.23 350.43 282.95 803.20

7.44 0.38 0.58 0.09 1.66275.14 265.73 350.07 282.88 610.59267.70 265.97 349.49 283.01 608.93

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.23 2.09 4.43 4.66 14.26

0.23 2.09 4.43 4.66 14.260.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

11.08 0.00 0.00 0.00 0.00

11.08 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

312


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




B. N. P.

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

911.70 589.66 610.47 433.00 352.90

911.70 548.33 577.03 389.62 321.52

748.95 482.37 505.76 335.54 224.72162.75 65.96 71.27 54.08 96.80

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 41.33 33.44 43.38 31.38

0.00 41.33 33.44 43.38 31.380.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

541.41 367.36 383.58 275.79 231.45

541.41 326.03 350.14 242.63 200.07

532.18 326.03 350.14 242.63 200.079.23 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 41.33 33.44 33.16 31.38

0.00 41.33 33.44 33.16 31.380.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

313


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



B. N. P.

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

4,129.29 3,314.50 2,692.47 2,122.80 1,907.90

2,111.45 1,769.45 1,386.21 1,196.31 999.28

372.75 336.35 279.05 192.69 210.43

26.26 0.00 12.12 11.31 10.65

0.00 0.00 39.98 32.62 32.15

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

1,618.83 1,208.70 975.11 689.87 655.39

3.45 30.95 29.03 37.11 35.12

3.45 2.87 1.97 10.38 9.89

0.00 2.50 2.32 2.20 2.01

0.00 25.58 24.74 24.53 23.21

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

314



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



B. N. P.

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,758.55 1,151.38 1,018.69 1,050.83 731.24

9.11 13.83 8.30 9.64 23.541.80 8.24 2.90 6.90 4.127.31 5.59 5.40 2.75 19.42

1,505.48 797.91 829.48 730.74 706.040.00 0.00 0.00 0.00 0.00

1,302.41 615.42 656.34 346.10 424.20203.07 182.48 173.14 384.64 281.84

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

165.09 262.41 105.97 236.59 0.00165.09 262.41 105.39 236.59 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.58 0.00 0.000.00 0.00 0.00 0.00 0.00

78.88 76.86 74.36 73.77 0.00

78.88 76.86 74.36 73.77 0.00

0.00 0.38 0.58 0.09 1.66

0.00 0.38 0.58 0.09 1.66

1,384.68 814.10 677.22 391.29 288.13

12.24 17.41 5.67 6.36 39.308.44 11.97 3.77 3.63 19.973.79 5.44 1.90 2.73 19.34

1,293.57 566.95 597.19 311.16 248.830.00 0.00 0.00 0.00 0.00

1,293.57 566.95 597.19 311.16 248.830.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 152.89 0.00 0.00 0.000.00 152.89 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

78.88 76.86 74.36 73.77 0.00

78.88 76.86 74.36 73.77 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

315


Concepto








Margen financiero















Resultado Neto

B. N. P.

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

123.29 94.88 59.91 45.30 323.37 50.90

42.85 35.01 22.72 13.84 114.43 11.4631.82 24.65 16.94 7.77 81.17 7.3911.03 10.36 5.79 6.08 33.26 4.07

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

49.03 32.76 12.35 7.13 101.27 10.8114.08 8.87 8.24 8.47 39.65 7.29

0.00 0.00 0.00 0.00 0.00 0.0017.33 18.24 16.60 15.86 68.02 21.33

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

91.50 74.20 51.42 45.00 262.12 51.97

58.69 47.73 35.19 34.18 175.80 27.9932.46 23.23 17.14 23.92 96.75 19.23

4.92 4.33 6.36 6.10 21.71 4.660.00 0.00 0.00 0.00 0.00 0.00

20.09 19.08 10.60 3.06 52.83 3.481.23 1.09 1.09 1.10 4.50 0.610.65 0.93 0.99 0.80 3.37 0.65

32.15 25.53 15.24 10.02 82.95 23.330.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(5.59) (2.66) (3.03) (2.23) (13.51) (3.78)

26.20 18.02 5.45 (1.93) 47.74 (4.86)

0.36 27.28 (0.90) 8.37 35.11 0.62

25.84 (9.25) 6.35 (10.30) 12.63 (5.47)

8.06 11.61 11.36 12.18 43.21 8.93(11.88) (15.25) 3.99 15.43 (7.71) 12.54

22.01 (12.89) 21.70 17.31 48.14 15.99

14.62 14.14 16.41 14.88 60.06 14.887.41 7.29 7.64 7.38 29.72 7.426.05 5.70 7.56 6.31 25.63 6.291.15 1.15 1.21 1.19 4.70 1.17

7.39 (27.03) 5.29 2.43 (11.92) 1.11

7.20 0.36 1.25 0.36 9.17 1.29

14.59 (26.67) 6.54 2.79 (2.75) 2.40

0.07 0.07 0.07 0.86 1.06 0.250.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

14.52 (26.73) 6.47 1.94 (3.81) 2.14

0.00 0.00 0.00 0.00 0.00 0.00

14.52 (26.73) 6.47 1.94 (3.81) 2.14

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

14.52 (26.73) 6.47 1.94 (3.81) 2.14

316






















B. N. P.

294.72 0.00 0.00 0.00 (87.30) 0.00 0.00 0.00 (44.09) (3.69) 0.00 159.64

70.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 70.28

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 (3.69) 0.00 0.00 0.00 0.00 9.93 0.00 6.24

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.09 0.00 0.00 1.09

9.58 0.00 0.00 0.00 (2.96) 0.00 0.00 0.00 (2.52) (4.10) 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

374.57 0.00 0.00 0.00 (93.94) 0.00 0.00 0.00 (45.53) 2.14 0.00 237.25

317



Concepto















B. N. P.

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

14.52 (12.21) (5.74) (3.81) 2.14

1.15 2.30 3.51 4.70 1.17(6.28) 20.86 19.26 27.34 0.62

0.00 0.00 0.00 0.00 (2.87)8.79 (1.33) (4.21) (5.77) (11.28)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(25.37) (628.31) (763.17) (729.78) (191.72)247.88 568.16 549.98 727.74 55.43

0.00 0.00 0.00 0.00 0.00(214.11) (42.28) 15.91 1.33 13.37

0.00 0.00 0.00 0.00 0.00

26.58 (92.81) (184.45) 21.76 (133.14)

(6.88) (8.77) (11.46) (12.07) (69.57)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 74.440.00 0.00 0.00 0.00 0.00

(6.88) (8.77) (11.46) (12.07) 4.87

(0.05) 0.58 0.09 (0.43) 1.11(0.52) (0.84) 0.03 (0.44) (0.11)

0.00 0.00 0.00 0.00 0.00(37.81) (37.88) (33.97) (36.43) 297.79

(38.38) (38.14) (33.85) (37.29) 298.79

(18.67) (139.73) (229.76) (27.60) 170.52

569.34 568.48 569.77 569.91 511.40

550.66 428.75 340.01 542.31 681.92

318


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


GE Capital

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1,272.38 1,340.27 1,256.97 1,230.96 1,267.86

315.08 204.03 218.47 176.71 361.1165.02 113.45 1.97 3.08 50.55

0.07 0.08 0.95 0.08 1.460.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

831.07 980.79 993.36 1,011.41 811.110.00 0.00 0.00 0.00 0.00

(0.81) (12.20) (12.25) (13.51) (15.00)8.28 1.57 3.32 2.83 8.436.85 6.72 6.48 6.76 6.540.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 1.47

46.08 45.03 44.16 43.07 41.760.74 0.79 0.51 0.53 0.44

0.00 0.00 0.00 0.00 0.00

741.36 823.64 738.88 714.10 758.36

0.62 0.85 2.36 15.16 2.7752.22 37.14 33.00 30.98 159.20

0.00 0.00 0.00 0.00 0.00676.25 771.08 686.66 652.78 582.92

0.08 0.05 0.95 0.06 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.02 0.00 0.000.00 0.00 0.00 0.00 0.006.14 8.11 9.21 8.93 2.470.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.006.05 6.42 6.68 6.19 10.99

531.02 516.63 518.09 516.86 509.50

698.76 697.70 699.27 699.45 697.16698.76 697.70 699.27 699.45 697.16

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(167.74) (181.08) (181.18) (182.60) (187.67)140.52 140.31 140.63 140.66 140.20(41.09) (41.22) (41.50) (41.71) (80.95)

0.00 0.00 0.00 0.66 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.64

(240.67) (240.85) (242.19) (243.92) (238.20)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(26.50) (39.32) (38.12) (38.28) (9.36)

0.00 0.00 0.00 0.00 0.00112.29 136.67 155.17 237.85 201.29

0.00 0.00 0.00 0.00 0.005,867.00 5,701.21 8,734.74 11,597.92 13,506.66

68.53 169.72 352.15 350.27 333.601,972.34 1,925.51 2,188.75 2,061.30 2,021.50

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

319



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









GE Capital

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

65.02 113.45 1.97 3.08 50.55

64.10 112.55 1.09 1.57 50.5564.10 112.55 1.09 1.57 50.55

0.82 0.69 1.09 1.06 1.0663.28 111.86 0.00 0.51 49.48

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.92 0.90 0.88 1.52 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.07 0.08 0.95 0.08 1.4670.22 61.43 114.60 128.26 253.3970.15 61.35 113.66 128.19 253.38

0.08 0.06 0.95 0.06 0.0098.44 118.90 114.35 128.78 88.4098.35 118.85 113.41 128.72 89.85

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.02 0.00 0.00

0.00 0.00 0.02 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

320


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




GE Capital

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

831.07 980.79 993.36 1,011.41 811.11

831.07 980.79 993.36 1,011.41 811.11

803.55 952.76 927.66 906.57 788.6821.97 22.28 58.74 98.05 15.71

5.55 5.76 6.96 6.79 6.710.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

523.41 646.42 597.68 625.24 471.11

523.41 646.42 597.68 625.24 471.11

501.44 624.14 538.94 527.19 455.4021.97 22.28 58.74 98.05 15.71

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

321


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



GE Capital

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

979.80 784.26 939.37 978.66 965.91

979.80 672.55 939.37 978.66 965.91

0.00 19.86 0.00 0.00 0.00

0.00 24.25 0.00 0.00 0.00

0.00 16.15 0.00 0.00 0.00

0.00 0.43 0.00 0.00 0.00

0.00 51.01 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.81 12.20 12.25 13.51 15.00

0.81 12.20 12.25 13.51 15.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

322



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



GE Capital

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

729.17 809.12 723.55 698.98 744.90

0.62 0.85 2.36 15.16 2.770.32 0.64 2.18 14.19 2.690.30 0.21 0.19 0.97 0.08

52.22 37.14 33.00 30.98 159.200.00 0.00 0.00 0.00 0.00

52.22 37.14 33.00 30.98 156.140.00 0.00 0.00 0.00 3.060.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

676.25 771.08 687.24 652.78 582.92676.25 771.08 686.66 652.78 582.92

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.58 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.08 0.06 0.95 0.06 0.00

0.08 0.06 0.95 0.06 0.00

535.05 568.63 494.28 495.58 552.68

0.32 0.64 2.18 14.19 2.690.32 0.64 2.18 14.19 2.690.00 0.00 0.00 0.00 0.00

52.22 37.14 33.00 30.98 156.140.00 0.00 0.00 0.00 0.00

52.22 37.14 33.00 30.98 156.140.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

482.51 530.86 459.10 450.41 393.85482.51 530.86 459.10 450.41 393.85

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

323


Concepto








Margen financiero















Resultado Neto

GE Capital

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

59.85 48.03 52.04 46.27 206.19 49.77

44.59 33.58 36.75 37.83 152.75 32.7242.62 32.93 35.73 36.51 147.79 31.91

1.44 0.29 0.60 0.94 3.26 0.440.54 0.36 0.42 0.39 1.71 0.360.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.003.92 3.84 1.21 1.46 10.43 4.483.70 4.26 3.86 3.10 14.92 4.630.81 1.72 4.72 1.02 8.27 1.736.82 4.63 5.51 2.86 19.82 6.210.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

42.19 25.76 26.42 23.80 118.17 31.62

26.31 20.23 20.09 22.36 88.99 17.410.00 0.00 0.00 0.00 0.00 0.000.54 0.74 0.47 0.66 2.41 1.010.00 0.00 0.00 0.00 0.00 0.00

25.77 19.49 19.63 21.70 86.58 16.400.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.006.63 4.59 5.11 4.14 20.48 8.120.00 0.00 0.00 0.00 0.00 0.009.25 0.94 1.22 (2.71) 8.70 6.09

(23.58) (10.28) (10.05) (10.77) (54.69) (13.92)

(5.92) 11.99 15.57 11.70 33.33 4.23

0.00 11.42 0.45 0.96 12.82 2.19

(5.92) 0.57 15.12 10.74 20.51 2.04

1.15 1.35 1.81 2.25 6.55 1.990.08 0.13 (0.20) (0.01) (0.01) 0.02

(4.69) 2.04 16.72 12.97 27.05 4.05

21.91 17.42 15.89 17.66 72.88 14.7212.46 7.72 7.99 8.70 36.86 8.12

7.96 8.93 7.24 8.29 32.43 5.901.49 0.77 0.66 0.68 3.59 0.70

(26.59) (15.38) 0.83 (4.69) (45.83) (10.68)

0.09 2.55 0.37 4.53 7.54 1.33

(26.50) (12.82) 1.20 (0.17) (38.29) (9.35)

0.00 0.00 0.00 0.00 0.00 0.010.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(26.50) (12.82) 1.20 (0.17) (38.29) (9.36)

0.00 0.00 (0.00) 0.00 0.01 0.00

(26.50) (12.82) 1.20 (0.17) (38.28) (9.36)

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(26.50) (12.82) 1.20 (0.17) (38.28) (9.36)

324






















GE Capital

678.14 0.00 0.00 136.38 (39.38) 0.00 0.64 0.00 (232.26) (39.00) 0.00 504.51

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 (39.00) 0.00 0.00 0.00 0.00 29.65 0.00 (9.36)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19.03 0.00 0.00 3.83 (2.57) 0.00 0.00 0.00 (5.95) 0.00 0.00 14.34

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

697.16 0.00 0.00 140.20 (80.95) 0.00 0.64 0.00 (238.20) (9.36) 0.00 509.50

325



Concepto















GE Capital

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

(26.50) (39.32) (38.12) (38.28) (9.35)

1.20 36.31 2.27 2.96 0.70(0.03) 11.38 11.44 12.73 1.90

0.52 1.50 3.82 3.62 (4.03)24.64 0.50 45.59 0.48 (0.03)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 54.93 14.340.00 0.00 0.00 1.01 0.00

(49.90) 47.09 (18.31) (29.96) 74.54283.30 90.77 52.87 9.88 177.03

0.00 0.00 0.00 0.00 0.00(41.03) (90.00) 0.56 19.97 (47.58)

0.00 0.00 0.00 0.00 0.00

192.20 58.22 60.12 37.35 207.52

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

(0.00) 0.16 (0.57) (1.52) (1.98)(6.03) 11.86 16.62 15.10 (2.60)

0.00 0.00 0.00 0.00 0.003.15 10.94 21.71 8.25 (12.62)

(3.04) 22.78 37.69 21.67 (17.73)

189.16 81.00 97.82 59.02 189.79

125.93 123.04 120.66 117.69 171.32

315.08 204.04 218.48 176.71 361.11

326


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


ABN Amro Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

889.85 789.19 1,313.44 1,124.15 1,547.80

199.95 189.07 730.31 597.04 1,034.61128.72 122.11 239.62 209.55 249.30

3.31 0.87 0.09 0.91 0.950.00 0.00 0.00 0.00 0.000.00 0.37 0.00 0.14 0.02

504.87 411.60 244.51 244.88 205.400.00 42.76 42.31 43.35 39.74

(0.86) (26.29) (25.43) (26.87) (26.15)29.57 26.11 63.33 30.28 24.8416.84 15.47 13.81 17.31 13.93

0.00 0.00 0.00 0.00 0.001.82 1.78 1.75 1.70 1.650.00 0.00 0.00 0.00 0.005.62 5.34 3.14 5.85 3.51

0.00 0.00 0.00 0.00 0.00

713.96 647.60 1,153.93 987.44 1,385.37

24.13 47.05 620.28 527.62 852.66208.75 225.44 292.01 223.51 196.27

0.00 0.00 0.00 0.00 0.00451.94 350.35 225.58 219.29 187.78

1.82 0.37 0.06 0.00 0.070.00 0.00 0.00 0.00 0.000.02 0.00 0.22 0.00 0.000.00 0.00 0.00 0.00 0.00

27.30 24.39 15.77 17.03 148.590.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

175.88 141.60 159.51 136.70 162.43

276.54 276.12 276.74 305.84 304.84276.54 276.12 276.74 305.84 304.84

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(100.65) (134.52) (117.23) (169.13) (142.41)0.68 0.68 0.68 0.68 0.76

(79.66) (79.54) (79.72) (79.74) (113.67)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(23.12) (23.09) (23.14) (23.15) (23.07)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.001.45 (32.57) (15.05) (66.93) (6.43)

0.13 0.00 0.00 0.00 0.00355.97 347.80 338.38 359.61 359.32219.50 121.68 77.57 65.39 111.64

0.00 0.00 0.00 0.00 0.00146.22 241.75 168.22 292.19 582.02430.03 250.22 226.08 140.75 143.55

0.00 0.00 0.00 0.00 0.001,545.46 2,742.80 14.03 98.95 13.17

327



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









ABN Amro Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

128.72 122.11 239.62 209.98 249.30

128.72 122.11 229.08 158.90 211.04128.72 122.11 229.08 158.90 211.04

34.98 42.87 69.68 21.19 142.7293.74 79.23 159.40 137.71 68.32

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 10.54 51.08 38.260.00 0.00 10.54 51.08 38.260.00 0.00 0.00 51.08 38.260.00 0.00 10.54 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

3.31 0.87 0.09 0.44 0.95252.02 829.40 123.09 259.13 489.00248.71 828.53 123.15 259.49 489.07

1.82 0.37 0.06 0.36 0.07107.82 175.06 126.89 165.14 519.06106.00 174.70 126.98 165.58 520.01

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.37 0.00 0.14 0.02

0.00 0.37 0.00 0.14 0.020.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.02 0.00 0.22 0.00 0.00

0.02 0.00 0.22 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

328


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




ABN Amro Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

504.87 454.36 286.82 288.18 245.13

504.87 411.60 244.51 244.88 205.40

504.87 411.60 244.51 244.88 205.400.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 42.76 42.31 43.30 39.74

0.00 42.76 42.31 43.30 39.740.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

330.45 262.93 134.16 166.85 142.02

330.45 220.17 91.85 123.55 102.29

330.45 220.17 91.85 123.55 102.290.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 42.76 42.31 43.30 39.74

0.00 42.76 42.31 43.30 39.740.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

329


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



ABN Amro Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

882.45 709.23 566.21 279.77 342.84

795.09 625.07 462.41 188.56 140.41

87.37 84.16 61.86 49.94 161.78

0.00 0.00 0.00 0.00 0.00

0.00 0.00 41.93 41.27 40.65

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.86 26.29 25.43 26.47 26.15

0.86 0.63 0.51 0.50 1.53

0.00 0.00 0.00 0.00 0.00

0.00 25.65 24.91 25.97 24.62

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

330



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



ABN Amro Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

684.83 623.21 1,138.52 971.37 1,236.78

24.13 47.05 620.28 527.62 852.6612.85 31.88 37.84 21.28 80.3411.28 15.17 582.44 506.34 772.32

208.75 225.44 292.01 223.51 196.270.00 0.00 0.00 0.00 0.003.32 0.00 0.00 0.00 0.00

205.43 225.44 292.01 223.51 196.270.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

451.94 350.35 226.16 219.88 187.78451.94 350.35 225.58 218.85 187.78

0.00 0.00 0.00 1.03 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.58 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.37 0.06 0.36 0.07

0.00 0.37 0.06 0.36 0.07

478.99 382.35 1,380.71 1,219.09 1,726.09

23.73 32.00 1,155.12 1,000.09 1,537.9215.82 21.33 577.56 500.04 768.96

7.91 10.67 577.56 500.04 768.963.32 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.003.32 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

451.94 350.35 225.58 219.01 188.17451.94 350.35 225.58 219.01 188.17

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

331


Concepto








Margen financiero















Resultado Neto

ABN Amro Bank

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

79.69 67.01 74.74 21.64 243.08 50.88

21.95 15.22 16.82 10.45 64.44 9.7421.95 15.22 16.82 10.45 64.44 9.74

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

38.53 30.77 51.22 (4.70) 115.82 16.590.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

19.20 21.03 6.70 15.89 62.81 24.560.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

69.15 53.86 38.78 43.75 205.54 36.22

23.79 23.40 18.76 17.31 83.25 16.420.17 0.26 0.57 0.73 1.73 1.07

16.08 16.89 12.71 13.53 59.22 10.630.00 0.00 0.00 0.00 0.00 0.007.54 6.24 5.48 3.05 22.30 4.720.00 0.00 0.00 0.00 0.00 0.000.15 0.20 0.32 1.18 1.85 0.34

45.21 30.26 19.70 25.25 120.43 19.460.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(7.20) (2.85) (5.51) (0.23) (15.80) (7.03)

3.33 10.30 30.44 (22.34) 21.74 7.63

0.00 26.48 (0.68) 2.08 27.88 1.05

3.33 (16.17) 31.12 (24.42) (6.14) 6.58

0.99 0.79 3.23 2.16 7.16 1.8616.92 14.93 6.53 0.90 39.28 6.16

21.24 (0.46) 40.88 (21.37) 40.30 14.61

21.97 35.00 23.94 34.06 114.96 21.0611.76 15.89 7.88 8.43 43.97 9.81

8.50 17.24 15.51 21.01 62.25 10.301.71 1.87 0.54 4.62 8.74 0.94

(0.73) (35.45) 16.94 (55.42) (74.66) (6.45)

3.31 0.32 0.55 3.55 7.73 0.03

2.58 (35.14) 17.50 (51.87) (66.93) (6.43)

1.14 (1.12) (0.02) 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

1.45 (34.02) 17.52 (51.87) (66.93) (6.43)

0.00 0.00 0.00 0.00 0.00 0.00

1.45 (34.02) 17.52 (51.87) (66.93) (6.43)

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

1.45 (34.02) 17.52 (51.87) (66.93) (6.43)

332






















ABN Amro Bank

296.51 0.00 0.00 0.66 (77.31) 0.00 0.00 0.00 (22.44) (64.89) 0.00 132.54

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 (64.89) 0.00 0.00 0.00 0.00 64.89 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8.33 0.00 0.00 0.10 28.52 0.00 0.00 0.00 (0.63) 0.00 0.00 36.32

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

304.84 0.00 0.00 0.76 (113.67) 0.00 0.00 0.00 (23.07) (6.43) 0.00 162.43

333



Concepto















ABN Amro Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

1.45 (32.57) (15.05) (66.93) (6.43)

1.75 3.57 1.23 8.74 0.000.00 25.33 0.74 27.88 1.050.00 0.00 0.00 0.00 0.00

(5.87) (5.69) 1.38 (1.44) (0.92)0.00 0.00 0.00 0.00 0.940.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(22.21) (82.40) 755.29 263.46 345.53116.47 166.14 (331.81) 331.86 (32.01)

0.00 0.00 0.00 0.00 0.00(0.70) 6.14 256.51 (85.43) 46.50(5.83) (6.33) 50.46 (17.31) 96.57

85.06 74.19 718.75 460.84 451.23

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 29.03 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 29.03 0.00

0.09 (0.08) 1.03 (7.52) 0.000.00 0.00 (3.38) 0.00 0.000.00 0.00 0.00 0.00 0.000.23 0.57 (0.41) 0.00 0.00

0.32 0.48 (2.76) (7.52) 0.00

85.38 74.68 715.99 482.35 451.23

114.57 114.40 14.32 114.69 583.39

199.95 189.07 730.31 597.04 1,034.62

334


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


American Express

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

446.75 489.51 499.40 613.07 489.68

7.45 7.10 7.80 111.00 9.710.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.35 0.08 0.00 0.00

390.99 397.14 433.46 469.48 458.4721.35 17.91 13.31 11.55 8.10

(20.72) (20.85) (22.43) (19.46) (15.39)18.11 54.99 39.93 27.48 18.09

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.99 0.97 0.95 0.93 2.00

27.13 31.89 26.30 12.13 8.891.45 0.00 0.00 (0.03) (0.21)

0.00 0.00 0.00 0.00 0.00

327.33 376.29 403.37 507.80 386.73

0.00 0.00 0.48 9.13 19.10277.22 277.23 302.53 403.64 297.85

0.00 0.00 0.00 0.00 0.000.33 0.00 0.00 0.00 13.190.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.12 0.00 0.00 0.00 0.500.00 0.00 0.00 0.00 0.00

47.87 96.63 88.36 85.67 48.260.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.001.78 2.43 12.01 9.36 7.84

119.42 113.23 96.03 105.27 102.95

228.67 228.32 228.84 253.70 253.70228.67 228.32 228.84 253.70 253.70

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(109.24) (115.09) (132.81) (148.43) (150.75)0.00 0.00 0.00 0.00 0.00

(74.42) (74.31) (74.48) (74.50) (129.13)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(19.29) (19.26) (19.30) (19.31) (19.31)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(15.53) (21.53) (39.03) (54.63) (2.32)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 2.49 0.00 94.700.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

335



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









American Express

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.35 0.08 0.00 0.00

0.00 0.35 0.08 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.13 0.00 0.00 0.00 0.50

0.13 0.00 0.00 0.00 0.500.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

336


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




American Express

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

412.34 415.05 446.78 481.03 466.57

390.99 397.14 433.46 469.48 458.47

0.00 0.00 0.00 20.63 28.000.00 0.00 0.00 0.00 0.00

390.99 397.14 433.46 448.85 430.470.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

21.35 17.91 13.31 11.55 8.10

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

21.35 17.91 13.31 11.55 8.100.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

337


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



American Express

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

431.79 402.88 407.02 435.79 421.68

354.26 326.71 349.51 373.80 373.89

43.73 43.56 31.91 39.60 44.59

11.20 11.75 8.04 9.40 7.43

8.60 7.67 5.53 12.99 7.16

14.01 13.20 12.04 0.00 (11.38)

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

20.72 20.84 20.98 19.46 15.39

0.44 0.44 0.32 5.83 6.23

2.24 2.35 0.16 4.23 3.34

5.16 4.60 3.31 9.40 5.82

7.47 6.81 5.75 0.00 0.00

0.00 0.00 0.00 0.00 0.00

5.41 6.65 11.43 0.00 0.00

338



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



American Express

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

277.55 277.23 303.59 412.77 330.14

0.00 0.00 0.48 9.13 19.100.00 0.00 0.48 9.13 18.960.00 0.00 0.00 0.00 0.14

277.22 277.23 302.53 403.64 297.850.00 0.00 0.00 0.00 0.00

251.94 135.35 245.09 286.26 55.110.00 0.00 14.06 117.38 159.64

25.29 141.87 43.38 0.00 83.100.00 0.00 0.00 0.00 0.00

0.33 0.00 0.58 0.00 13.190.00 0.00 0.00 0.00 0.010.00 0.00 0.00 0.00 13.180.00 0.00 0.00 0.00 0.000.33 0.00 0.00 0.00 0.000.00 0.00 0.58 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

339


Concepto








Margen financiero















Resultado Neto

American Express

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

57.35 46.90 44.57 47.90 196.72 48.49

51.26 39.86 40.86 41.46 173.44 41.700.00 0.00 0.00 0.00 0.00 0.000.02 0.00 0.00 0.07 0.09 0.60

51.24 39.86 40.86 41.39 173.35 41.110.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.02 0.02 0.000.76 0.47 0.47 0.78 2.47 1.445.34 6.57 3.24 5.65 20.79 5.350.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

23.10 15.15 16.19 16.50 70.95 16.19

23.10 15.15 16.19 16.20 70.64 14.890.00 0.00 0.00 0.14 0.14 0.29

22.99 15.12 16.18 16.00 70.29 14.500.00 0.00 0.00 0.00 0.00 0.000.11 0.03 0.01 0.06 0.21 0.100.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.31 0.31 1.300.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(6.01) (2.39) (2.16) (2.31) (12.88) (3.28)

28.24 29.35 26.21 29.08 112.89 29.02

18.93 18.32 17.00 7.81 62.07 4.64

9.32 11.03 9.21 21.27 50.83 24.38

12.19 11.82 12.90 20.25 57.15 15.62(7.49) (4.05) (3.53) 0.13 (14.94) (3.55)

14.01 18.80 18.58 41.65 93.04 36.45

35.47 31.06 33.40 46.58 146.52 39.522.98 3.44 2.65 3.27 12.34 3.31

32.48 27.63 30.76 43.31 134.18 36.210.00 0.00 0.00 0.00 0.00 0.00

(21.46) (12.26) (14.83) (4.93) (53.48) (3.07)

1.41 0.99 2.49 2.97 7.86 3.62

(20.05) (11.27) (12.34) (1.96) (45.62) 0.55

0.00 0.00 0.00 0.00 0.00 0.004.51 5.28 (5.16) (13.64) (9.01) (2.87)0.00 0.00 0.00 0.00 0.00 0.00

(15.53) (5.99) (17.50) (15.60) (54.63) (2.32)

0.00 0.00 0.00 0.00 0.00 0.00

(15.53) (5.99) (17.50) (15.60) (54.63) (2.32)

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(15.53) (5.99) (17.50) (15.60) (54.63) (2.32)

340






















American Express

245.96 0.00 0.00 0.00 (72.22) 0.00 0.00 0.00 (18.72) (52.96) 0.00 102.06

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 (52.96) 0.00 0.00 0.00 0.00 50.64 0.00 (2.32)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7.74 0.00 0.00 0.00 (3.94) 0.00 0.00 0.00 (0.59) 0.00 0.00 3.21

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

253.70 0.00 0.00 0.00 (129.13) 0.00 0.00 0.00 (19.31) (2.32) 0.00 102.95

341



Concepto















American Express

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

(15.53) (21.53) (39.03) (54.63) (2.32)

2.96 4.41 4.41 4.41 0.00(2.01) (1.84) 0.68 (2.29) (4.07)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(3.41) (8.21) (2.56) 11.62 3.240.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(35.01) (34.86) (9.79) 99.89 (82.63)40.48 37.08 6.38 (27.76) 14.450.00 0.00 0.00 0.00 0.00

(0.20) (0.68) (0.41) (0.33) 0.50(17.04) (4.42) 10.87 18.02 (30.44)

(29.77) (30.06) (29.44) 48.94 (101.28)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 24.80 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 24.80 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

(29.77) (30.06) (29.44) 73.74 (101.28)

37.22 37.16 37.25 37.26 111.00

7.45 7.10 7.80 111.00 9.71

342


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden



I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

768.09 293.93 336.80 361.47 228.17

289.16 163.71 257.22 282.48 166.3712.02 11.85 0.00 0.00 0.00

3.19 0.15 0.00 0.00 0.000.00 0.00 0.00 0.00 0.008.11 0.00 0.00 0.00 0.00

432.66 98.23 66.79 65.23 59.870.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.006.07 3.74 10.92 12.20 1.03

15.88 15.28 0.92 0.64 0.000.00 0.00 0.00 0.00 0.000.99 0.97 0.95 0.93 0.900.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

585.69 123.46 181.99 181.96 60.78

12.55 6.52 0.02 2.52 0.00481.29 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.0074.72 102.43 180.99 178.65 60.59

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 9.61 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

17.12 4.90 0.98 0.79 0.190.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

182.40 170.47 154.81 179.51 167.39

284.93 284.98 285.11 309.99 309.99284.93 284.98 285.11 309.99 309.99

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(102.53) (114.51) (130.31) (130.48) (142.60)2.96 2.96 2.96 2.96 2.96

(20.33) (20.34) (20.35) (20.35) (62.32)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(71.77) (71.78) (71.81) (71.83) (71.83)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(13.39) (25.36) (41.11) (41.26) (11.41)

0.00 0.00 0.00 0.00 0.0052.51 78.33 0.00 0.00 0.00

119.84 108.24 105.17 0.00 0.000.00 0.00 0.00 0.00 0.00

50.43 0.31 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.009.81 (9.46) 0.00 0.00 0.00

343



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto










I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

12.02 11.85 0.00 0.00 0.00

12.02 11.85 0.00 0.00 0.0012.02 11.85 0.00 0.00 0.0012.02 11.85 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

3.19 0.15 0.00 0.00 0.00219.97 91.81 0.00 0.00 0.00216.78 91.66 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

8.11 0.00 0.00 0.00 0.00

8.11 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 9.61 0.00 0.00 0.00

0.00 9.61 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

344


Concepto


Cartera vigente





Cartera vigente





Cartera vigente





I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

432.66 98.23 66.79 65.23 59.87

432.66 98.23 66.79 65.23 59.87

414.87 98.23 66.79 65.23 59.8717.79 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

279.39 98.23 66.79 65.23 59.87

279.39 98.23 66.79 65.23 59.87

279.39 98.23 66.79 65.23 59.870.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

345


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable




I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

778.04 458.14 276.12 170.53 62.25

778.04 458.14 276.12 170.53 62.25

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

346



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/




I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

567.46 108.97 181.57 181.17 60.59

12.56 6.52 0.00 2.52 0.000.00 0.00 (0.02) 0.00 0.00

12.56 6.52 0.02 2.52 0.00481.29 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.0061.90 0.00 0.00 0.00 0.00

419.38 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

73.62 102.45 181.57 178.64 60.5973.62 102.45 180.99 178.64 60.59

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.58 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

127.57 107.51 181.03 183.73 60.59

31.76 12.07 0.04 5.09 0.0021.17 6.03 0.02 2.54 0.0010.59 6.03 0.02 2.54 0.0022.19 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.0022.19 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

73.62 95.44 180.99 178.64 60.5973.62 95.44 180.99 178.64 60.59

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

347


Concepto








Margen financiero















Resultado Neto


I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

77.65 25.05 10.34 7.03 120.07 4.84

22.83 9.81 2.08 1.21 35.94 0.2222.83 9.81 2.08 1.21 35.94 0.22

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

37.97 8.39 2.35 0.01 48.72 0.006.88 5.98 5.64 5.60 24.11 4.550.18 0.45 0.16 0.21 1.00 0.079.79 0.42 0.11 (0.01) 10.31 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

81.56 25.14 10.07 2.15 118.91 9.28

29.00 14.80 4.37 3.03 51.19 1.680.00 0.00 0.00 0.00 0.00 0.00

24.63 9.06 1.53 0.01 35.23 0.000.00 0.00 0.00 0.00 0.00 0.004.37 5.74 2.84 3.02 15.96 1.680.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

47.28 8.74 2.24 0.22 58.49 4.690.00 0.00 0.00 0.00 0.00 0.005.28 1.59 3.46 (1.10) 9.22 2.91

(8.53) (3.73) (3.22) (3.95) (19.44) (5.44)

(12.44) (3.81) (2.95) 0.93 (18.27) (9.88)

0.00 0.00 0.00 0.00 0.00 0.00

(12.44) (3.81) (2.95) 0.93 (18.27) (9.88)

3.73 1.89 0.80 (0.12) 6.30 0.009.13 1.24 0.06 0.00 10.43 0.00

0.42 (0.68) (2.09) 0.81 (1.54) (9.88)

14.24 11.48 9.90 1.35 36.97 1.736.81 6.47 5.24 0.32 18.84 0.336.65 4.39 4.35 0.96 16.34 1.390.78 0.62 0.31 0.08 1.79 0.00

(13.82) (12.16) (11.99) (0.54) (38.51) (11.61)

0.44 0.19 (3.76) 0.39 (2.75) 0.20

(13.39) (11.97) (15.75) (0.15) (41.26) (11.41)

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(13.39) (11.97) (15.75) (0.15) (41.26) (11.41)

0.00 0.00 0.00 0.00 0.00 0.00

(13.39) (11.97) (15.75) (0.15) (41.26) (11.41)

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(13.39) (11.97) (15.75) (0.15) (41.26) (11.41)

348























300.53 0.00 0.00 2.87 (19.73) 0.00 0.00 0.00 (69.64) (40.69) 0.00 173.35

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 (40.69) 0.00 0.00 0.00 0.00 40.69 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 (11.41) 0.00 (11.41)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9.46 0.00 0.00 0.09 (1.90) 0.00 0.00 0.00 (2.19) 0.00 0.00 5.45

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

309.99 0.00 0.00 2.96 (62.32) 0.00 0.00 0.00 (71.83) (11.41) 0.00 167.39

349



Concepto
















I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

(13.39) (25.36) (41.11) (41.26) (11.41)

0.83 1.29 1.71 2.43 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(50.31) (510.04) (438.27) (612.11) (120.63)81.89 416.41 448.10 528.54 5.370.00 0.00 0.00 0.00 0.00

48.99 28.45 72.36 72.38 0.000.00 41.49 0.00 (102.57) 10.50

68.00 (47.75) 42.79 (152.59) (116.17)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 173.85 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 24.81 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 198.66 0.00

0.03 0.20 14.17 14.40 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(0.69) (10.59) (21.70) 0.00 0.00

(0.63) (10.36) (7.50) 14.44 (0.03)

67.38 (58.11) 35.29 60.50 (116.20)

221.78 221.82 221.92 221.98 282.57

289.16 163.71 257.22 282.48 166.37

350


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden



I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

213.59 265.64 230.60 343.82 622.44

36.99 34.43 25.19 41.26 13.2410.85 12.98 10.30 70.84 11.95

0.00 0.00 0.00 0.02 0.010.00 0.00 0.00 0.00 0.000.06 0.00 0.01 0.00 0.00

145.35 164.80 174.98 214.58 188.430.00 0.00 0.00 0.00 0.00

(0.67) (0.73) (0.72) (0.89) (1.76)0.71 34.90 2.56 0.73 394.368.59 7.51 6.44 5.38 4.300.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

11.72 11.75 11.83 11.90 11.920.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

35.10 84.65 50.89 171.17 460.76

4.05 8.33 12.80 31.75 11.5427.63 36.74 25.94 121.75 63.78

0.00 0.00 0.00 0.00 0.000.00 32.35 5.29 15.49 6.500.00 0.00 0.00 0.01 0.000.00 0.00 0.00 0.00 0.000.00 0.20 0.00 0.27 0.000.00 0.00 0.00 0.00 0.003.42 7.03 6.86 1.90 378.930.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

178.49 180.99 179.71 172.65 161.67

330.56 330.06 330.81 330.89 330.89330.56 330.06 330.81 330.89 330.89

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(152.07) (149.07) (151.10) (158.25) (169.22)0.00 0.00 0.00 0.00 0.00

(128.00) (127.81) (128.10) (128.13) (142.86)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(15.37) (15.35) (15.38) (15.39) (15.39)0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

(8.70) (5.92) (7.62) (14.73) (10.98)

0.00 0.00 0.00 0.00 0.00291.60 284.91 279.40 272.53 231.80

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 17.25 0.00 4.54 0.000.00 0.00 0.00 0.00 0.00

675.62 904.22 625.74 568.24 769.25

351



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto










I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

10.85 12.98 10.31 70.84 11.95

10.85 12.98 10.31 70.84 11.9510.85 12.98 10.31 70.84 11.9510.85 10.82 10.31 12.46 11.95

0.00 2.16 0.00 58.38 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

0.00 0.00 0.00 0.02 0.010.00 0.00 0.00 11.12 4.350.00 0.00 0.00 11.13 4.34

0.00 0.00 0.00 0.01 0.000.00 0.00 0.00 23.66 4.350.00 0.00 0.00 23.67 4.34

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.06 0.00 0.01 0.00 0.00

0.06 0.00 0.01 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.20 0.00 0.27 0.00

0.00 0.20 0.00 0.27 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

352


Concepto


Cartera vigente





Cartera vigente





Cartera vigente





I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

145.35 164.80 174.98 214.58 188.43

145.35 164.80 174.98 214.58 188.43

145.35 164.80 174.98 214.58 188.430.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

353


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable




I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

72.57 142.02 161.61 170.68 208.03

5.41 66.83 89.59 77.99 145.33

40.19 75.19 72.02 92.69 62.70

26.97 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.67 0.73 0.72 0.89 1.76

0.67 0.73 0.72 0.89 1.76

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

354



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/




I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

31.68 77.42 44.61 169.00 81.83

4.05 8.33 12.80 31.75 11.544.05 8.33 12.80 31.75 11.540.00 0.00 0.00 0.00 0.00

27.63 36.74 25.94 121.75 63.780.00 0.00 0.00 0.00 0.000.00 0.02 2.66 9.75 6.93

27.63 36.72 23.28 112.00 56.860.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 32.35 5.87 15.49 6.500.00 0.00 0.00 0.02 0.000.00 32.35 5.29 15.47 6.500.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.58 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.01 0.00

0.00 0.00 0.00 0.01 0.00

0.05 0.05 0.43 19.72 0.89

0.05 0.05 0.43 19.72 0.890.05 0.05 0.43 19.72 0.890.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

355


Concepto








Margen financiero















Resultado Neto


I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

18.85 14.08 16.56 17.35 66.83 12.86

12.05 9.47 9.16 11.48 42.16 10.0912.05 9.47 9.16 11.48 42.16 10.09

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.001.78 0.46 1.30 0.71 4.26 0.630.94 0.90 1.14 1.27 4.26 0.580.12 0.09 0.21 0.20 0.62 0.223.11 0.67 2.75 1.49 8.02 1.350.00 0.00 0.00 0.00 0.00 0.000.85 2.48 1.99 2.19 7.52 0.000.00 0.00 0.00 0.00 0.00 0.00

6.04 2.69 5.23 6.48 20.44 5.32

5.02 2.30 2.62 5.72 15.67 4.330.13 0.12 0.55 0.72 1.52 0.470.00 0.00 0.00 0.00 0.00 3.294.76 1.95 1.80 4.83 13.34 0.000.13 0.23 0.28 0.17 0.81 0.580.00 0.00 0.00 0.00 0.00 0.000.10 0.10 0.19 0.20 0.60 0.160.92 0.29 2.41 0.56 4.17 0.820.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(7.55) (3.39) (3.49) (3.94) (18.37) (4.63)

5.26 7.99 7.84 6.93 28.02 2.91

0.20 0.08 (0.00) 0.19 0.46 0.91

5.06 7.92 7.84 6.74 27.56 2.01

0.00 0.00 0.00 0.00 0.00 0.00(0.09) (0.24) 0.23 (0.29) (0.40) 0.70

4.97 7.67 8.08 6.44 27.16 2.71

13.67 10.25 9.79 15.13 48.84 13.857.66 5.68 5.12 7.32 25.78 7.204.81 3.47 3.58 6.72 18.57 5.551.20 1.10 1.09 1.10 4.49 1.11

(8.70) (2.57) (1.72) (8.69) (21.68) (11.14)

0.00 5.35 0.01 1.58 6.95 0.16

(8.70) 2.78 (1.70) (7.11) (14.73) (10.98)

0.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00 0.00

(8.70) 2.78 (1.70) (7.11) (14.73) (10.98)

0.00 0.00 0.00 0.00 0.00 0.00

(8.70) 2.78 (1.70) (7.11) (14.73) (10.98)

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

(8.70) 2.78 (1.70) (7.11) (14.73) (10.98)

356























320.80 0.00 0.00 0.00 (124.22) 0.00 0.00 0.00 (14.92) (14.28) 0.00 167.38

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 (14.28) 0.00 0.00 0.00 0.00 14.28 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 (10.25) 0.00 (10.25)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10.09 0.00 0.00 0.00 (4.36) 0.00 0.00 0.00 (0.47) 0.00 0.00 5.27

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

330.89 0.00 0.00 0.00 (142.86) 0.00 0.00 0.00 (15.39) (10.25) 0.00 162.40

357



Concepto
















I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

(8.70) (5.92) (7.62) (14.73) (10.98)

1.75 2.36 2.94 3.48 0.600.20 0.27 0.26 0.44 0.900.00 0.00 0.00 (0.60) 0.008.63 12.66 16.22 0.41 4.770.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 18.37 0.000.00 0.00 0.00 1.94 0.00

(7.55) 29.68 (31.29) 50.07 (48.27)(72.78) (93.89) (105.45) (146.75) 19.61

0.00 0.00 0.00 0.00 0.0089.64 93.84 122.97 104.59 6.730.01 0.00 0.00 0.00 0.00

11.20 38.99 (1.98) 17.24 (26.64)

0.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.000.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00 (0.03) (0.03) (0.06) 0.00(0.11) 0.15 (0.12) (0.25) 0.00

0.00 0.00 0.00 0.00 0.001.11 (28.92) 3.55 1.16 (0.23)

1.00 (28.80) 3.40 0.85 (0.13)

12.19 10.19 1.42 18.09 (26.77)

24.80 24.23 23.76 23.18 40.01

36.99 34.43 25.19 41.26 13.24

358


Concepto

Activo


Pasivo


Capital Contable



Cuentas de Orden


Fuji Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

363.90 202.36 n. a. n. a. n. a.

159.27 175.71 n. a. n. a. n. a.12.36 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.

170.69 26.31 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.

(0.86) 0.00 n. a. n. a. n. a.0.49 0.37 n. a. n. a. n. a.

15.04 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.6.91 (0.03) n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.

136.52 0.23 n. a. n. a. n. a.

6.60 0.00 n. a. n. a. n. a.66.77 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.8.89 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.1.29 0.23 n. a. n. a. n. a.


227.38 202.14 n. a. n. a. n. a.

302.69 304.99 n. a. n. a. n. a.302.69 304.99 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.

(75.30) (102.85) n. a. n. a. n. a.2.40 2.39 n. a. n. a. n. a.

(0.12) 0.11 n. a. n. a. n. a.


(87.20) (99.01) n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.9.57 (6.35) n. a. n. a. n. a.


0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.

n. a. No aplica, revocado en octubre de 1999

359



Concepto

Títulos valores



Acciones



Acciones



Acciones



Concepto









Fuji Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

12.36 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.




0.73 0.00 n. a. n. a. n. a.

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000



0.00 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.


0.00 0.00 n. a. n. a. n. a.



360


Concepto


Cartera vigente





Cartera vigente





Cartera vigente




Fuji Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

170.69 26.31 n. a. n. a. n. a.

170.69 26.31 n. a. n. a. n. a.


0.00 0.00 n. a. n. a. n. a.


8.93 0.00 n. a. n. a. n. a.

8.93 0.00 n. a. n. a. n. a.


0.00 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.


0.00 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.


361


Concepto


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

No calificada

Exceptuada


Total

B Bajo

C Medio

D Alto

E Irrecuperable



Fuji Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

909.18 274.69 n. a. n. a. n. a.

822.75 274.69 n. a. n. a. n. a.

86.43 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.

0.86 0.00 n. a. n. a. n. a.

0.86 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.


362



Concepto

Captación Total





Obligaciones


Reportos 1/







Obligaciones


Reportos 1/



Fuji Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

135.23 0.00 n. a. n. a. n. a.





52.96 0.00 n. a. n. a. n. a.

52.96 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.

61.93 0.00 n. a. n. a. n. a.

0.07 0.00 n. a. n. a. n. a.0.07 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.


52.96 0.00 n. a. n. a. n. a.

52.96 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.

n. a. No aplica, revocado en octubre de 1999.

363


Concepto








Margen financiero















Resultado Neto

Fuji Bank

I - 1999 II - 1999 III - 1999 IV - 1999 1999 I - 2000

47.03 9.18 n. a. n. a. n. a. n. a.

38.71 2.75 n. a. n. a. n. a. n. a.38.71 2.75 n. a. n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a. n. a.0.13 0.31 n. a. n. a. n. a. n. a.8.16 6.12 n. a. n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a. n. a.0.03 (0.00) n. a. n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a. n. a.

31.96 0.65 n. a. n. a. n. a. n. a.

31.84 0.65 n. a. n. a. n. a. n. a.0.81 (0.01) n. a. n. a. n. a. n. a.

18.78 0.44 n. a. n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a. n. a.

11.35 (0.04) n. a. n. a. n. a. n. a.0.90 0.26 n. a. n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a. n. a.0.12 (0.00) n. a. n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a. n. a.

(8.61) (4.37) n. a. n. a. n. a. n. a.

6.46 4.17 n. a. n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a. n. a.

6.46 4.17 n. a. n. a. n. a. n. a.

0.52 (0.01) n. a. n. a. n. a. n. a.2.15 0.03 n. a. n. a. n. a. n. a.

9.12 4.19 n. a. n. a. n. a. n. a.

10.97 20.57 n. a. n. a. n. a. n. a.3.69 4.11 n. a. n. a. n. a. n. a.6.14 6.28 n. a. n. a. n. a. n. a.1.14 10.18 n. a. n. a. n. a. n. a.

(1.85) (16.38) n. a. n. a. n. a. n. a.

11.54 0.56 n. a. n. a. n. a. n. a.

9.69 (15.82) n. a. n. a. n. a. n. a.

0.12 0.10 n. a. n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a. n. a.

9.57 (15.92) n. a. n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a. n. a.

9.57 (15.92) n. a. n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a. n. a.

9.57 (15.92) n. a. n. a. n. a. n. a.


364






















Fuji Bank

NO A

PLIC

A


365



Concepto















Fuji Bank

I - 1999 II - 1999 III - 1999 IV - 1999 I - 2000

9.57 (6.35) n. a. n. a. n. a.

1.14 11.32 n. a. n. a. n. a.0.00 11.85 n. a. n. a. n. a.0.00 (3.07) n. a. n. a. n. a.8.61 13.49 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.

(812.98) (873.27) n. a. n. a. n. a.746.57 869.91 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.3.66 15.62 n. a. n. a. n. a.

(14.98) (16.52) n. a. n. a. n. a.

(58.42) 22.98 n. a. n. a. n. a.

0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 (53.19) n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.

(0.49) (15.23) n. a. n. a. n. a.0.56 0.66 n. a. n. a. n. a.

0.07 (67.75) n. a. n. a. n. a.

(0.83) 5.47 n. a. n. a. n. a.1.43 2.98 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.0.00 0.00 n. a. n. a. n. a.

0.60 8.44 n. a. n. a. n. a.

(57.74) (36.33) n. a. n. a. n. a.

217.02 212.04 n. a. n. a. n. a.

159.27 175.71 n. a. n. a. n. a.


366

1460 31-Ene. CARTERA CREDITICIA. CALIFICACION. Se da a conocer la metodología para la calificación de la

cartera Crediticia hipotecaria de vivienda.

1461 2-Feb. PROGRAMA DE BENEFICIOS ADICIONALES A LOS DEUDORES DE CREDITOS DE LA VIVIEN-

DA. Se expiden disposiciones que otorgan beneficios adicionales a los contemplados en el programa

de beneficios adicionales a los deudores de créditos para vivienda, a favor de los deudores de créditos

para vivienda FOVI.

1462 14-Feb. AVALUOS BANCARIOS. Se dan a conocer disposiciones de carácter general para la prestación del

servicio de avalúos.

1463 15-Feb. PROGRAMA DE BENEFICIOS A LOS DEUDORES DE CREDITOS EMPRESARIALES. Se dan a

conocer disposiciones que hacen extensivos los beneficios contemplados en el programa de

beneficios a los deudores de créditos empresariales, a favor de deudores de líneas de crédito

revolventes provenientes de créditos empresariales.

1466 30-Mar. CAPITAL MINIMO. Se comunica que el capital mínimo que cada una de esas instituciones deberá

tener íntegramente pagado a mas tardar el ultimo día hábil de 2000 es de $181’999,229.66.

Circulares para Banca Múltiple enero / marzo del 2000

CIRCULAR FECHA CONTENIDO

Boletín Estadístico de Banca Mœltiple...Impuestos diferidos.- Se adopta el nuevo Boletín D-4...

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